| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | DBA AHM FINANCIAL GROUP 11975 WESTLINE INDUSTRIAL DRIVE ST. LOUIS, MO 63146 | DELTA DENTAL OF MISSOURI | $13K | — | $13K | 5.01% |
| ROBYN PIPER3 | 2300 W SAHARA, STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 11.25% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | DBA AHM FINANCIAL GROUP 11975 WESTLINE INDUSTRIAL DRIVE ST. LOUIS, MO 63146 | ADVANTICA INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| BRIAN MURPHY3 | 2436 CRIPPLE CREEK DR ST. LOUIS, MO 63129 | AFLAC | $1K | $74 | $2K | 7.02% |
| TIMOTHY DORSEY3 | 139 N. CENTRAL AVE, APT F ST. LOUIS, MO 63105 | AFLAC | $1K | — | $1K | 5.41% |
| NICOLE HAINLEN3 | 609 TEMPO DRIVE ST. LOUIS, MO 63141 | AFLAC | $870 | — | $870 | 4.00% |
| JEREMY CREWS3 | 1795 CLARKSON RD, STE 301 CHESTERFIELD, MO 63017 | AFLAC | $371 | $212 | $583 | 2.68% |
| BRADLEY T VANDEGRIFFE3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $423 | — | $423 | 1.94% |
| RICHARD WESTERMAYER3 | 917 KINSTERN DR ST. LOUIS, MO 63131 | AFLAC | $116 | $95 | $211 | 0.97% |
| VANDEGRIFFE INC3 | 3432 W. TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $124 | $45 | $169 | 0.78% |
| JOSEPH M BRZECZEK3 Filed as: JOSEPH BRZECZEK | 1012 W STATE COLLEGE RD, STE 203 DOVER, DE 19904 | AFLAC | $142 | — | $142 | 0.65% |
| JASON BRINK3 | 1120 S 6TH STREET, STE 110 ST. LOUIS, MO 63104 | AFLAC | $91 | $19 | $110 | 0.51% |
| MBBV INC3 | 3432 W. TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $82 | $8 | $90 | 0.41% |
| MICHAEL FORTNER3 | 14703 PIETY CIRCLE FLORISSANT, MO 63034 | AFLAC | $37 | $32 | $69 | 0.32% |
| GEISLER INCORPORATED3 Filed as: GEISLER INC | 1795 CLARKSON RD, STE 301 CHESTERFIELD, MO 63017 | AFLAC | $49 | $19 | $68 | 0.31% |
| JUDITH GREER LAHAY3 | 429 ROYALWOOD DR CREVE COEUR, MO 63141 | AFLAC | $42 | — | $42 | 0.19% |
| KELLY BRZECZEK3 | 1012 W STATE COLLEGE RD, STE 203 DOVER, DE 19904 | AFLAC | $38 | — | $38 | 0.17% |
| JOHN A BACON3 | 1267 LEIGHTON HOLLOW DRIVE DARDENNE PRAIRIE, MO 63368 | AFLAC | $3 | — | $3 | 0.01% |
| JOHN MYERS3 | 81 GRAND MERIDIEN FRST CHESTERFIELD, MO 63005 | AFLAC | $3 | — | $3 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 702 | $250K |
| Vision | ADVANTICA INSURANCE COMPANY | 517 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 352 | $171K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 352 | $193K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 352 | $171K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 352 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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.