| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN AG | 825 MARYVILLE CENTRE DR. STE 200 CHESTERFIELD, MO 630175942 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $35K | $35K | 4.12% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.31% |
| SUNSTAR INSURANCE GROUP LLC3 | 5225 W 75TH ST. STE 100 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.69% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.35% |
| SUNSTAR INSURANCE GROUP LLC3 | 5225 W 75TH ST. STE 100 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $825 | — | $825 | 4.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - JW TE | 1861 WASHINGTON ST. STE 120 CONSHOHOCKEN, PA 19428 | ADVANTICA INSURANCE COMPANY | $1K | $176 | $2K | 9.39% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP LLC DBA TIG | 200 EAST SOUTHAMPRON DR COLUMBIA, MO 65203 | ADVANTICA INSURANCE COMPANY | $458 | $0 | $458 | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $308 | $0 | $308 | 10.34% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSRUANCE GROUP LLC | 5225 W 75TH ST STE 100 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $138 | $0 | $138 | 4.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 30541 SALT LAKE CITY, UT 841300541 | $77K |
| SUNSTAR INSURANCE GROUP, LLC (TIG) EIN 46-0800597 BROKER | Other commissions Service code 55 | 200 E SOUTHAMPTON DR COLUMBIA, MO 65203 | $47K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Claims processing; Contract Administrator Service code 12 | 12399 GRAVOIS ROAD #2 ST. LOUIS, MO 63127 | $17K |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 358 | $842K |
| Vision | ADVANTICA INSURANCE COMPANY | 261 | $17K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $32K |
| Stop-loss / reinsurancereinsurance | SWISS RE | 358 | $330K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.