| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND N DR. MINNEAPOLIS, MN 55428 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $42K | $0 | $42K | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $14K | $179 | $14K | 0.73% |
| SCOTT S JAMES3 Filed as: SCOTT S. JAMES | 825 MARYVILLE CENTRE DRIVE SUITER 200 CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| RANDALL T. GRAHAM3 | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $6K | $39K | 11.76% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $7K | $43K | 13.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 825 MARYVILLE CENTRE DR. CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $11K | $1K | $12K | 10.21% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 16.86% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $5 | $2K | 11.54% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $8 | $1K | 8.36% |
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 | 223 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 274 | $2.0M |
| Dental | DELTA DENTAL OF MISSOURI | 299 | $117K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 274 | $2.0M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $767K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.