| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEVADA INC. | PO BOX 743171 LOS ANGELES, CA 900743171 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $63 | $39K | 14.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEVADA INC. | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 891132201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.18% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 4435 MAIN ST, 4TH FLOUR KANSAS CITY, MO 64111 | DELTA DENTAL OF MISSOURI | $8K | — | $8K | 3.29% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO | 11975 WESTLINE INDUSTRIAL DRIVE ST. LOUIS, MO 63146 | DELTA DENTAL OF MISSOURI | $3K | — | $3K | 1.24% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 200 COLONIAL CTR PKWY #140 LAKE MARY, FL 32746 | ADVANTICA INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO | 200 COLONIAL CTR PKWY #140 LAKE MARY, FL 32746 | ADVANTICA INSURANCE COMPANY | $1K | — | $1K | 2.47% |
| BRYAN MURPHY3 | 2436 CRIPPLE CREEK DR ST. LOUIS, MO 63129 | AFLAC | $873 | $7 | $880 | 5.59% |
| CATHERINE AULBACH3 | 840 FOXSPRINGS DR CHESTERFIELD, MO 63017 | AFLAC | $763 | $11 | $774 | 4.92% |
| TIMOTHY DORSEY3 | 139 N. CENTRAL AVE, APT F ST. LOUIS, MO 63105 | AFLAC | $210 | — | $210 | 1.34% |
| BRADLEY T VANDEGRIFFE3 | 6025 BRADFORD CT JEFFERSON CITY, MO 65101 | AFLAC | $107 | — | $107 | 0.68% |
| JEREMY CREWS3 | 11116 S TOWNE SQ STE 100 ST. LOUIS, MO 63123 | AFLAC | $98 | — | $98 | 0.62% |
| AMANDA JANE SHELBY3 | 651 SOUTHERN HILLS DR EUREKA, MO 63025 | AFLAC | $88 | — | $88 | 0.56% |
| JASON BRINK3 | 1931 LAKEHURST DR ST. LOUIS, MO 63146 | AFLAC | $14 | — | $14 | 0.09% |
| WESTERMAYER AND ASSOCIATES LLC3 | 5431 MONTICELLO AVE DALLAS, TX 75206 | AFLAC | $11 | — | $11 | 0.07% |
| VANDEGRIFFE INC3 | 6025 BRADFORD CT JEFFERSON CITY, MO 65101 | AFLAC | $10 | — | $10 | 0.06% |
| GEISLER INCORPORATED3 | 1795 CLARKSON RD STE 301 CHESTERFIELD, MO 63017 | AFLAC | $7 | — | $7 | 0.04% |
| JOHN MYERS3 | 17635 ORRVILLE RD WILDWOOD, MO 63005 | AFLAC | $7 | — | $7 | 0.04% |
| JOHN A BACON3 Filed as: JOHN BACON | 30837 SPRING VALLEY RD PAOLA, KS 66071 | AFLAC | $7 | — | $7 | 0.04% |
| JUDITH GREER LAHAY3 Filed as: JUDITH LAHAY | 11026 SAINT AMBROSE LN SAINT ANN, MO 63074 | AFLAC | $7 | — | $7 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 800 MARKET ST, SUITE 1800 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 | $574 | $27 | $601 | 12.75% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 693 | $255K |
| Vision | ADVANTICA INSURANCE COMPANY | 552 | $42K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 459 | $275K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 459 | $290K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 459 | $275K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 859 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 859 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.