| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLAND PLAZA DRIVE WEST SUITE 500 ST. LOUIS, MO 63110 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $54K | $4K | $58K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DRIVE WEST SUITE 500 ST. LOUIS, MO 63110 | DELTA DENTAL OF MISSOURI | $11K | $375 | $11K | 6.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DRIVE WEST SUITE 500 ST. LOUIS, MO 63110 | SYMETRA LIFE INSURANCE COMPANY | $14K | — | $14K | 15.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DRIVE WEST ST. LOUIS, MO 63110 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 17.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DRIVE WEST SUITE 500 ST. LOUIS, MO 63110 | ADVANTICA INSURANCE COMPANY | $3K | — | $3K | 10.94% |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 368 | $2.1M |
| Dental | DELTA DENTAL OF MISSOURI | 418 | $162K |
| Vision(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 390 | $2.2M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 383 | $89K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 383 | $89K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 383 | $89K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 383 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.