| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 11975 WESTLINE INDUSTRIAL DRIVE ST. LOUIS, MO 63146 | DELTA DENTAL OF MISSOURI | $14K | — | $14K | 5.00% |
| ROBYN PIPER3 | 2300 W SAHARA, STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 9.93% |
| ROBYN PIPER3 | 2300 W SAHARA, STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.00% |
| 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 | 10.78% |
| BRYAN MURPHY3 | 2436 CRIPPLE CREEK DR ST. LOUIS, MO 63129 | AFLAC | $1K | $25 | $1K | 4.65% |
| TIMOTHY DORSEY3 | 139 N. CENTRAL AVE, APT F ST. LOUIS, MO 63105 | AFLAC | $774 | — | $774 | 2.89% |
| CATHERINE AULBACH3 | 11116 S TOWNE SQ ST. LOUIS, MO 63123 | AFLAC | $509 | — | $509 | 1.90% |
| JEREMY CREWS3 | 11116 S TOWNE SQ STE 100 ST. LOUIS, MO 63123 | AFLAC | $282 | — | $282 | 1.05% |
| AMANDA J. SHELBY3 Filed as: AMANDA SHELBY | 1795 CLARKSON RD STE 301 CHESTERFIELD, MO 63017 | AFLAC | $183 | $56 | $239 | 0.89% |
| TRACY THOMAS-BELL3 | 6724 ALEXANDER ST ST. LOUIS, MO 63116 | AFLAC | $50 | $76 | $126 | 0.47% |
| VANDEGRIFFE INC3 | 6025 BRADFORD CT JEFFERSON CITY, MO 65101 | AFLAC | $105 | — | $105 | 0.39% |
| JASON BRINK3 | 1931 LAKEHURST DR ST. LOUIS, MO 63146 | AFLAC | $80 | — | $80 | 0.30% |
| WESTERMAYER AND ASSOCIATES LLC3 | 2164 AYLESPORT DR DALLAS, TX 75001 | AFLAC | $79 | — | $79 | 0.29% |
| BRADLEY T VANDEGRIFFE3 | 17934 HOMESTEAD BLUFFS DR WILDWOOD, MO 63005 | AFLAC | $63 | — | $63 | 0.24% |
| JOHN R. KOENIG3 Filed as: JOHN KOENIG | 3301 WAGGONER WOODS FESTUS, MO 63028 | AFLAC | $55 | — | $55 | 0.21% |
| BRADLEY T VANDEGRIFFE3 | 6025 BRADFORD CT JEFFERSON CITY, MO 65101 | AFLAC | $54 | — | $54 | 0.20% |
| COLE LANKFORD3 | 7 PARK AVE NEW YORK, NY 10016 | AFLAC | $47 | — | $47 | 0.18% |
| GEISLER INCORPORATED3 | 1795 CLARKSON RD STE 301 CHESTERFIELD, MO 63017 | AFLAC | $40 | — | $40 | 0.15% |
| JOHN R. KOENIG3 Filed as: JOHN KOENIG | 12462 FIELDSTONE DR FESTUS, MO 63028 | AFLAC | $30 | — | $30 | 0.11% |
| COLLEEN OCELLO3 | 2737 WHITECREEK LN IMPERIAL, MO 63052 | AFLAC | $10 | $16 | $26 | 0.10% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY VANDEGRIFFE | 2412 HYDE PARK RD STE B JEFFERSON CITY, MO 65109 | AFLAC | $19 | — | $19 | 0.07% |
| JOHN MYERS3 | 81 GRAND MERIDIEN FRST CHESTERFIELD, MO 63005 | AFLAC | $17 | — | $17 | 0.06% |
| JOHN A BACON3 Filed as: JOHN BACON | 11630 W 158TH TER OVERLAND PARK, KS 66221 | AFLAC | $14 | — | $14 | 0.05% |
| JUDITH GREER LAHAY3 Filed as: JUDITH LAHAY | 11026 SAINT AMBROSE LN SAINT ANN, MO 63074 | AFLAC | $8 | — | $8 | 0.03% |
| JOHN A BACON3 Filed as: JOHN BACON | 13716 PARKHILL OVERLAND PARK, KS 66221 | 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 | $3K | — | $3K | 25.00% |
| JOHN A. SCOTTI3 Filed as: JOHN SCOTTI | 100 STANWIX ST PITTSBURGH, PA 15222 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $562 | $24 | $586 | 9.93% |
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 | 354 | 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) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 735 | $291K |
| Vision | ADVANTICA INSURANCE COMPANY | 566 | $41K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 361 | $275K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 361 | $248K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 361 | $221K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 390 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 735 | — |
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.