| 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 | — | $4K | $4K | 1.93% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: THE INSURANCE PARTNERS | 11225 COLLEGE BLVD STE 105 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 10.63% |
| RANDALL K ROST3 | 101 S HANLEY ROAD STE 900 ST LOUIS, MO 63105 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 7.72% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | 11225 COLLEGE BLVD STE 105 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.69% |
| BUCK GLOBAL LLC3 | PO BOX 202617 DALLAS, TX 75320 | HARTFORD LIFE AND ACCIDENT | $2K | $221 | $2K | 16.50% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS C IOPT LLC | PO BOX 40386 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | — | $140 | 2.85% |
| STENDER & ASSOCIATES LLC3 | 18102 CHESTERFIELD AIRPORT RD STE A CHESTERFIELD, MO 63005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | — | $112 | 2.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $100 | — | $100 | 2.04% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.04% |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 10 | $5K |
| Dental | DELTA DENTAL OF MISSOURI | 836 | $287K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 269 | $34K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 380 | $189K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 380 | $269K |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 348 | $609K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,564 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,564 | — |
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."
No prospect flags tripped on this filing.