| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $125K | $4K | $129K | 2.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $17K | 6.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC- JK TERRILL | 161 WASHINGTON ST SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF MISSOURI | $21K | $2K | $22K | 10.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTER DRIVE SUITE 200 ST. LOUIS, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 16.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTER DRIVE SUITE 200 ST. LOUIS, MO 63017 | UNUM INSURANCE COMPANY | $2K | $285 | $3K | 16.75% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATION, INC. | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | — | $2K | $2K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTER DRIVE SUITE 200 ST LOUIS, MO 63017 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTER DRIVE SUITE 200 ST. LOUIS, MO 63017 | UNUM INSURANCE COMPANY | $1K | $192 | $1K | 16.54% |
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 | 273 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 500 | $4.5M |
| Dental | DELTA DENTAL OF MISSOURI | 535 | $207K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 500 | $4.5M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $326K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $268K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $268K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.