| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR SUITE 500 ST LOUIS, MO 63110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $187 | $27K | $27K | 3.02% |
| MARSH & MCLENNAN AGENCY LLC Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR SUITE 500 ST LOUIS, MO 63110 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR SUITE 500 ST LOUIS, MO 63110 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | — | $2K | 9.33% |
| MARSH & MCLENNAN AGENCY LLC Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR SUITE 500 ST LOUIS, MO 63110 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | — | $2K | 14.79% |
| MARSH & MCLENNAN AGENCY LLC Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR SUITE 500 ST LOUIS, MO 63110 | EYEMED VISION CARE | $1K | — | $1K | 10.45% |
| MARSH & MCLENNAN AGENCY LLC Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR SUITE 500 ST LOUIS, MO 63110 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $274 | — | $274 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR SUITE 500 ST LOUIS, MO 63110 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $91 | — | $91 | 9.96% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $907K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 157 | $70K |
| Vision | EYEMED VISION CARE | 160 | $11K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 166 | $3K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 166 | $19K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 165 | $15K |
| Other | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 166 | $914 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.