| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC J.W. TE | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $715 | $715 | 6.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $142K |
| AMWINS GROUP BENEFITS, INC. EIN 05-0461576 NONE | Contract Administrator Service code 13 | 50 WHITE CAP DRIVE NORTH KINGSTOWN, RI 02852 | $110K |
| GPB CORPORATION EIN 43-1240518 AFFILIATE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $81K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing) Service code 10 | — | $38K |
| ENTERPRISE TRUST EIN 43-1472619 NONE | Custodial (securities) Service code 19 | — | $35K |
| MARSH & MCLENNAN NONE | Consulting (general) Service code 16 | 625 MARYVILLE CENTRE DR. STE. 200 ST. LOUIS, MO 63017 | $31K |
| SPECTOR WOLFE MCLAUGHLIN EIN 43-1718339 NONE | Legal Service code 29 | — | $22K |
| GUARDIAN EIN 13-5123390 NONE | Contract Administrator Service code 13 | — | $22K |
| VISION SERVICE PLAN EIN 43-1471581 NONE | Contract Administrator Service code 13 | — | $8K |
| SANDBERG PHOENIX NONE | Legal Service code 29 | 600 WASHINGTON AVENUE TH FLOOR, MO 63101 | $5K |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $11K |
| Stop-loss / reinsurancereinsurance | AETNA | 190 | $220K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.