| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR ST LOUIS, MO 63110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR ST LOUIS, MO 63110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 2.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR ST LOUIS, MO 63110 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | $738 | $3K | 12.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR ST LOUIS, MO 63110 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | $630 | $4K | 18.71% |
| MARSH & MCLENNAN AGENCY LLC Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR ST LOUIS, MO 63110 | EYEMED VISION CARE | $967 | — | $967 | 10.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR ST LOUIS, MO 63110 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $419 | $112 | $531 | 14.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR ST LOUIS, MO 63110 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $139 | $10 | $149 | 12.48% |
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 | 158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 151 | $60K |
| Vision | EYEMED VISION CARE | 136 | $9K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 158 | $4K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 158 | $26K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 158 | $21K |
| Other | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 158 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.