| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DRIVE WEST SUITE 500 ST. LOUIS, MO 63110 | GROSVENOR BROKERS | $77K | $26K | $103K | 23.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DR W STE 500 SAINT LOUIS, MO 631101337 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $315 | $4K | 10.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO. | 1001 HIGHLANDS PLAZA DR W STE 500 SAINT LOUIS, MO 63110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.25% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 176 SOUTH THIRD STREET SUITE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $176 | — | $176 | 0.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DR W STE 500 SAINT LOUIS, MO 631101337 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $174 | $6K | 14.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DR W STE 500 SAINT LOUIS, MO 631101337 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $251 | $3K | 10.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE EIN 71-0847266 ADMINISTRATOR | Account maintenance fees; Other services; Recordkeeping fees; Other fees; Claims processing; Contract Administrator Service code 12 | — | $232K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Contract Administrator; Claims processing Service code 12 | — | $27K |
| UNITED OF OMAHA LIFE INSURANCE COMP EIN 47-0322111 NONE | Contract Administrator; Claims processing Service code 12 | — | $11K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 480 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 353 | $40K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 480 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 480 | $42K |
| Stop-loss / reinsurancereinsurance | GROSVENOR BROKERS | 273 | $438K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 480 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.