| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DR W ST LOUIS, MO 63110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DR W ST LOUIS, MO 63110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO INC | 1001 HIGHLANDS PLAZA DR W ST LOUIS, MO 631101337 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | $793 | $3K | 11.85% |
| WATCHTOWER TECHNOLOGIES INC0 | 306 W ERIE STREET CHICAGO, IL 60654 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $228 | $228 | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO INC | 1001 HIGHLANDS PLAZA DR W ST LOUIS, MO 631101337 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $21K | $589 | $22K | 102.76% |
| WATCHTOWER TECHNOLOGIES INC0 | 306 E ERIE STREET CHICAGO, IL 60654 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $158 | $158 | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO INC | 1001 HIGHLANDS PLAZA DR W ST LOUIS, MO 631101337 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $320 | $96 | $416 | 12.98% |
| WATCHTOWER TECHNOLOGIES INC0 | 306 W ERIE STREET CHICAGO, IL 60654 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $26 | $26 | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO INC | 1001 HIGHLANDS PLAZA DR W ST LOUIS, MO 631101337 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $107 | $32 | $139 | 13.01% |
| WATCHTOWER TECHNOLOGIES INC0 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 W ERIE STREET CHICAGO, IL 60654 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $9 | $9 | 0.84% |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 161 | $64K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 170 | $3K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 170 | $25K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 170 | $21K |
| Other | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 170 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.