| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO. INC. | 1001 HIGHLANDS PLAZA DR. W STE 500 ST. LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 13.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO. INC. | 1001 HIGHLANDS PLAZA DR. W STE 500 ST. LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO. INC. | 1001 HIGHLANDS PLAZA DR. W STE 500 ST. LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $875 | — | $875 | 13.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $16K |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 156 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $72K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $25K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 173 | $308K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.