| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLAND PLAZA DRIVE WEST ST. LOUIS, MO 63110 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $28K | — | $28K | 1.52% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $18K | — | $18K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY CO | 1001 HIGHLANDS PLAZS ST. LOUIS, MO 63110 | DELTA DENTAL OF MISSOURI | $4K | — | $4K | 3.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA CHICAGO, IL 60693 | DELTA DENTAL OF MISSOURI | $2K | $1K | $3K | 2.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DRIVE W SUITE 500 ST. LOUIS, MO 63110 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.74% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 5.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DRIVE W #500 ST. LOUIS, MO 63110 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $1K | — | $1K | 6.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 ST. LOUIS, MO 631505115 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $445 | — | $445 | 2.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $310 | — | $310 | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLAND PLAZA DRIVE W SUITE 500 ST. LOUIS, MO 63110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $507 | — | $507 | 6.35% |
| WILLIAM DAVID WIGGINS3 | 8900 STATE LINE ROAD SUITE 350 LEAWOD, KS 66206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65 | — | $65 | 0.81% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES INC. | 8630 DELMAR AVENUE SUITE 100 ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 0.54% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 E 1ST STREET SUITE 400 SANTA ANA, CA 92705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27 | — | $27 | 0.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DRIVE ST. LOUIS, MO 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$21 | — | -$21 | -0.26% |
| DAVID W WIGGINS3 Filed as: DAVID WILLIAM WIGGINS | 8900 STATE LINE ROAD SUITE 350 LEAWOD, KS 66206 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 1.17% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 E 1ST STREET SUITE 400 SANTA ANA, CA 92705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.70% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 63150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.63% |
| JONATHAN SAMUEL SPETNER3 | 8630 DELMAR BLVD SUITE 100 ST. LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.47% |
| LYNDA WILLICK BARIS3 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.07% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 316 | $1.9M |
| Dental | DELTA DENTAL OF MISSOURI | 327 | $112K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | 289 | $21K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 405 | $66K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 405 | $63K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 405 | $63K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 405 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.