| 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 | $13K | — | $13K | 5.02% |
| ROBYN PIPER3 | 2300 W SAHARA, STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | 975 KELLY JOHNSON DR STE 100 LAS VEGAS, NV 89119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 4.86% |
| ROBYN PIPER3 | 2300 W SAHARA, STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | 975 KELLY JOHNSON DR STE 100 LAS VEGAS, NV 89119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $183 | $3K | 4.59% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 200 COLONIAL CTR PKWY #140 LAKE MARY, FL 32746 | ADVANTICA INSURANCE COMPANY | $4K | — | $4K | 10.86% |
| BRYAN MURPHY3 | 2436 CRIPPLE CREEK DR ST. LOUIS, MO 63129 | AFLAC | $627 | $11 | $638 | 2.81% |
| TIMOTHY DORSEY3 | 139 N. CENTRAL AVE, APT F ST. LOUIS, MO 63105 | AFLAC | $354 | — | $354 | 1.56% |
| CATHERINE AULBACH3 | 11116 S TOWNE SQ ST. LOUIS, MO 63123 | AFLAC | $234 | $20 | $254 | 1.12% |
| JEREMY CREWS3 | 11116 S TOWNE SQ STE 100 ST. LOUIS, MO 63123 | AFLAC | $150 | — | $150 | 0.66% |
| AMANDA JANE SHELBY3 | 651 SOUTHERN HILLS DR EUREKA, MO 63025 | AFLAC | $123 | — | $123 | 0.54% |
| BRADLEY T VANDEGRIFFE3 | 6025 BRADFORD CT JEFFERSON CITY, MO 65101 | AFLAC | $106 | — | $106 | 0.47% |
| VANDEGRIFFE INC3 | 6025 BRADFORD CT JEFFERSON CITY, MO 65101 | AFLAC | $74 | — | $74 | 0.33% |
| JASON BRINK3 | 1931 LAKEHURST DR ST. LOUIS, MO 63146 | AFLAC | $45 | — | $45 | 0.20% |
| WESTERMAYER AND ASSOCIATES LLC3 | 5431 MONTICELLO AVE DALLAS, TX 75206 | AFLAC | $40 | — | $40 | 0.18% |
| GEISLER INCORPORATED3 | 1795 CLARKSON RD STE 301 CHESTERFIELD, MO 63017 | AFLAC | $22 | — | $22 | 0.10% |
| BRENDAN N DUSHA3 Filed as: BRENDAN DUSHA | 4155 SHENANDOAH AVE ST. LOUIS, MO 63110 | AFLAC | $15 | $4 | $19 | 0.08% |
| AMANDA JANE SHELBY3 | 7310 KELLYWOOD DR CEDAR HILL, MO 63016 | AFLAC | $12 | — | $12 | 0.05% |
| JOHN MYERS3 | 17635 ORRVILLE RD WILDWOOD, MO 63005 | AFLAC | $11 | — | $11 | 0.05% |
| JOHN A BACON3 Filed as: JOHN BACON | 30837 SPRING VALLEY RD PAOLA, KS 66071 | AFLAC | $11 | — | $11 | 0.05% |
| JOHN SCHAEFFERKOETTER3 | 6002 STERLING RIDGE RD JEFFERSON CITY, MO 65101 | AFLAC | $9 | — | $9 | 0.04% |
| JUDITH GREER LAHAY3 Filed as: JUDITH LAHAY | 11026 SAINT AMBROSE LN SAINT ANN, MO 63074 | AFLAC | $7 | — | $7 | 0.03% |
| JOHN R. KOENIG3 Filed as: JOHN KOENIG | 3301 WAGGONER WOODS FESTUS, MO 63028 | 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 | $3K | — | $3K | 25.00% |
| JOHN A. SCOTTI3 Filed as: JOHN SCOTTI | 100 STANWIX ST PITTSBURGH, PA 15222 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $544 | $25 | $569 | 10.64% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 655 | $267K |
| Vision | ADVANTICA INSURANCE COMPANY | 540 | $37K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $290K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $256K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $233K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 323 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.