| 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 | $14K | $1K | $16K | 5.46% |
| ROBYN PIPER3 | 2300 W SAHARA, STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 10.02% |
| 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% |
| BRYAN MURPHY3 | 2436 CRIPPLE CREEK DR ST. LOUIS, MO 63129 | AFLAC | $739 | $19 | $758 | 3.52% |
| TIMOTHY DORSEY3 | 139 N. CENTRAL AVE, APT F ST. LOUIS, MO 63105 | AFLAC | $636 | — | $636 | 2.96% |
| AMANDA J. SHELBY3 Filed as: AMANDA JANE SHELBY, STE 301 | 1795 CLARKSON RD CHESTERFIELD, MO 63017 | AFLAC | $440 | — | $440 | 2.04% |
| TRACY JUANITA THOMAS-BELL3 | 6724 ALEXANDER ST SAINT LOUIS, MO 63105 | AFLAC | $331 | — | $331 | 1.54% |
| JEREMY CREWS3 | 11116 S TOWNE SQ STE 100 ST LOUIS, MO 63123 | AFLAC | $149 | — | $149 | 0.69% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY VANDERGRIFFE | 17934 HOMESTEAD BLUFFS DRIVE WILDWOOD, MO 63005 | AFLAC | $121 | $5 | $126 | 0.59% |
| COLLEEN OCELLO3 Filed as: COLLEEN OCHELLO | 2737 WHITECREEK LN IMPERIAL, MO 63052 | AFLAC | $89 | — | $89 | 0.41% |
| VANDEGRIFFE INC3 | 3432 W. TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $88 | — | $88 | 0.41% |
| STEVEN SIMOKAITIS3 | 3038 WOODBRIDGE ESTATES D ST LOUIS, MO 63129 | AFLAC | $48 | $27 | $75 | 0.35% |
| JASON BRINK3 | 1931 LAKEHURST DR ST. LOUIS, MO 63146 | AFLAC | $68 | — | $68 | 0.32% |
| WESTERMAYER AND ASSOCIATES LLC3 Filed as: WESTERMAYER AND ASSOCIATES, LLC | 2164 AYLESPORT DR DALLAS, TX 75001 | AFLAC | $59 | — | $59 | 0.27% |
| GEISLER INCORPORATED3 Filed as: GEISLER INC | 1795 CLARKSON RD, STE 301 CHESTERFIELD, MO 63017 | AFLAC | $34 | — | $34 | 0.16% |
| BRADLEY T VANDEGRIFFE3 | 2412 HYDE PARK RD SUITE B JEFFERSON CITY, MO 65109 | AFLAC | $28 | $2 | $30 | 0.14% |
| JOHN A BACON3 | 13716 PARKHILL OVERLAND PARK, KS 66221 | AFLAC | $14 | — | $14 | 0.07% |
| JOHN MYERS3 | 81 GRAND MERIDIEN FRST CHESTERFIELD, MO 63005 | AFLAC | $14 | — | $14 | 0.07% |
| WESTERMAYER AND ASSOCIATES LLC3 Filed as: WESTERMAYER & ASSOCIATES LLC | 917 KINSTERN DR ST. LOUIS, MO 63131 | AFLAC | $7 | — | $7 | 0.03% |
| JUDITH GREER LAHAY3 | 11026 SAINT AMBROSE LN SAINT ANN, MO 63074 | AFLAC | $7 | — | $7 | 0.03% |
| 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 | $3K | — | $3K | 25.00% |
| JOHN A. SCOTTI3 Filed as: JOHN SCOTTI | 100 STANWIX ST PITTSBURGH, PA 15222 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $487 | $24 | $511 | 10.88% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 728 | $289K |
| Vision | ADVANTICA INSURANCE COMPANY | 528 | $40K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 370 | $200K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 370 | $221K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 370 | $200K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 370 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 728 | — |
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.