| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: A MARSH & MCLENNAN AGENCY | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 1.43% |
| ASSUREDPARTNERS3 | 12645 OLIVE BOULEVARD, SUITE 300 CREVE COEUR, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $0 | $16K | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 412703 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $15K | $15K | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $5K | 15.36% |
| ASSUREDPARTNERS3 | 404 WEST BROADWAY BOULEVARD SEDALIA, MO 65301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.49% |
| ASSUREDPARTNERS3 | 4435 MAIN STREET, 4TH FLOOR KANSAS CITY, MO 64111 | ADVANTICA INSURANCE COMPANY | $3K | $0 | $3K | 20.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | ADVANTICA INSURANCE COMPANY | $860 | $0 | $860 | 6.08% |
No Schedule C service providers reported on this filing.
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $1.2M |
| Vision | ADVANTICA INSURANCE COMPANY | 165 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $35K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.