| 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 | 4.98% |
| ROBYN PIPER3 | 2300 W SAHARA, STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 9.96% |
| 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 | $906 | $92 | $998 | 4.25% |
| TIMOTHY DORSEY3 | 139 N. CENTRAL AVE, APT F ST. LOUIS, MO 63105 | AFLAC | $630 | — | $630 | 2.69% |
| BRADLEY T VANDEGRIFFE3 | 2412 HYDE PARK RD SUITE B JEFFERSON CITY, MO 65109 | AFLAC | $281 | $55 | $336 | 1.43% |
| JEREMY CREWS3 | 11116 S TOWNE SQ STE 100 ST LOUIS, MO 63123 | AFLAC | $220 | — | $220 | 0.94% |
| STEVEN SIMOKAITIS3 | 3038 WOODBRIDGE ESTATES D ST LOUIS, MO 63129 | AFLAC | $214 | — | $214 | 0.91% |
| VANDEGRIFFE INC3 | 3432 W. TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $109 | — | $109 | 0.46% |
| JASON BRINK3 | 1120 S 6TH STREET, STE 110 ST. LOUIS, MO 63104 | AFLAC | $88 | — | $88 | 0.38% |
| RICHARD WESTERMAYER3 | 917 KINSTERN DR ST. LOUIS, MO 63131 | AFLAC | $87 | — | $87 | 0.37% |
| GEISLER INCORPORATED3 Filed as: GEISLER INC | 1795 CLARKSON RD, STE 301 CHESTERFIELD, MO 63017 | AFLAC | $44 | — | $44 | 0.19% |
| JUDITH GREER LAHAY3 | 429 ROYALWOOD DR CREVE COEUR, MO 63141 | AFLAC | $16 | $11 | $27 | 0.12% |
| JOSEPH M BRZECZEK3 Filed as: JOSEPH BRZECZEK | 1012 W STATE COLLEGE RD, STE 203 DOVER, DE 19904 | AFLAC | $19 | — | $19 | 0.08% |
| JOHN A BACON3 | 13716 PARKHILL OVERLAND PARK, KS 66221 | AFLAC | $18 | — | $18 | 0.08% |
| JOHN MYERS3 | 81 GRAND MERIDIEN FRST CHESTERFIELD, MO 63005 | AFLAC | $18 | — | $18 | 0.08% |
| KELLY BRZECZEK3 | 1012 W STATE COLLEGE RD, STE 203 DOVER, DE 19904 | AFLAC | $6 | — | $6 | 0.03% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 23 MORGAN DR SPARTA, NJ 07871 | AFLAC | $1 | — | $1 | 0.00% |
| 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% |
| JOHN A. SCOTTI3 Filed as: JOHN SCOTTI | 100 STANWIX ST PITTSBURGH, PA 15222 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $226 | $9 | $235 | 8.66% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 696 | $265K |
| Vision | ADVANTICA INSURANCE COMPANY | 507 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 330 | $183K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 330 | $206K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 330 | $183K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 330 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 696 | — |
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.