| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $659 | $659 | 5.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMWINS GROUP BENEFITS LLC EIN 05-0461576 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $679K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $142K |
| GPB CORPORATION EIN 43-1240518 RELATED PARTY | Plan Administrator; Direct payment from the plan Service code 14 | — | $96K |
| ENTERPRISE TRUST EIN 43-1472619 NONE | Custodial (securities); Trustee (individual) Service code 19 | — | $31K |
| MARSH AND MCLENNAN EIN 26-3237576 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $29K |
| VALUED PHARMACY SERVICES EIN 26-1077308 NONE | Other commissions; Other fees Service code 55 | — | $22K |
| EVERSIDE HEALTH EIN 45-3449075 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $21K |
| ROMOLO & ASSOCIATES, LLC EIN 84-2885766 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $18K |
| HAMMOND AND SHINNERS, PC EIN 43-1429257 NONE | Legal; Direct payment from the plan Service code 29 | — | $14K |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 113 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 278 | $4K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $12K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 202 | $221K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.