| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO, LLC | 11975 WESTLINE INDUSTRIAL DR ST. LOUIS, MO 63146 | DELTA DENTAL OF MISSOURI | $9K | — | $9K | 3.81% |
| AHM FINANCIAL GROUP LLC3 Filed as: AHM FINANCIAL GROUP,INC | 11975 WESTLINE INDUSTRIAL DRIVE ST. LOUIS, MO 63146 | DELTA DENTAL OF MISSOURI | $3K | $3K | $6K | 2.42% |
| ROBYN PIPER3 | 2300 W SAHARA, STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 12.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO, LLC | 11975 WESTLINE INDUSTRIAL DRIVE ST. LOUIS, MO 63146 | ADVANTICA INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| TIMOTHY DORSEY3 | 139 N. CENTRAL AVE, APT F ST. LOUIS, MO 63105 | AFLAC | $2K | — | $2K | 12.46% |
| BRYAN MURPHY3 | 2436 CRIPPLE CREEK DR ST. LOUIS, MO 63129 | AFLAC | $1K | — | $1K | 10.23% |
| JEREMY CREWS3 | 1795 CLARKSON RD, STE 301 CHESTERFIELD, MO 63017 | AFLAC | $1K | — | $1K | 8.68% |
| RICHARD WESTERMAYER3 | 917 KINSTERN DR ST. LOUIS, MO 63131 | AFLAC | $473 | — | $473 | 3.80% |
| VANDEGRIFFE INC3 | 1795 CLARKSON RD, STE 301 CHESTERFIELD, MO 63017 | AFLAC | $382 | — | $382 | 3.07% |
| JOSEPH M BRZECZEK3 Filed as: JOSEPH BRZECZEK | 1012 W STATE COLLEGE RD, STE 203 DOVER, DE 19904 | AFLAC | $376 | — | $376 | 3.02% |
| MICHAEL FORTNER3 | 14703 PIETY CIRCLE FLORISSANT, MO 63034 | AFLAC | $224 | — | $224 | 1.80% |
| JASON BRINK3 | 1120 S 6TH STREET, STE 110 ST. LOUIS, MO 63104 | AFLAC | $180 | — | $180 | 1.45% |
| MBBV INC3 | 1795 CLARKSON RD, STE 301 CHESTERFIELD, MO 63017 | AFLAC | $147 | — | $147 | 1.18% |
| GEISLER INCORPORATED3 Filed as: GEISLER INC | 1796 CLARKSON RD, STE 301 CHESTERFIELD, MO 63017 | AFLAC | $138 | — | $138 | 1.11% |
| KELLY BRZECZEK3 | 1012 W STATE COLLEGE RD, STE 203 DOVER, DE 19904 | AFLAC | $75 | — | $75 | 0.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT SERVICES | 701 MARKET ST, SUITE 1100 ST. LOUIS, MO 63101 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH PA | $1K | — | $1K | 25.01% |
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 | 634 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 639 | $237K |
| Vision | ADVANTICA INSURANCE COMPANY | 502 | $35K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 315 | $154K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 315 | $166K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 315 | $154K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 315 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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.