| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 825 MARYVILLE CENTRE, SUITE 200 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | — | $3K | $3K | 0.81% |
| FIRST INSURANCE3 | 100 N. HIGH STREET ANTLERS, OK 74523 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $49K | — | $49K | 15.00% |
| FIRST INSURANCE3 | 100 N. HIGH STREET ANTLERS, OK 745232250 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 17.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 825 MARYVILLE CENTRE DR., SUITE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $674 | $4K | 9.32% |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 869 | $3.9M |
| Dental | DELTA DENTAL OF MISSOURI | 825 | $338K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 637 | $44K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 738 | $696K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $325K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 738 | $696K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 869 | $3.9M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 738 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 869 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.