| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | P O BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.05% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: THE INSURANCE PARTNERS | 11225 COLLEGE BLVD STE 105 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 22.67% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | 11225 COLLEGE BLVD STE 105 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 14.12% |
| RANDALL K ROST3 | 368 KINGS RIDGE BLVD OFALLON, IL 62269 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 4.05% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $2K | — | $2K | 15.00% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS CIOPT LLC | PO BOX 40386 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE | $83 | — | $83 | 2.81% |
| STENDER & ASSOCIATES LLC3 | 18102 CHESTERFIELD AIRPORT RD STE A CHESTERFIELD, MO 63005 | AMERICAN HERITAGE LIFE INSURANCE | $68 | — | $68 | 2.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE | $62 | — | $62 | 2.10% |
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 | 440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 959 | $321K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 331 | $43K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 435 | $271K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 435 | $405K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 435 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 959 | — |
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.