| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR W STE 500 SAINT LOUIS, MO 631101337 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2K | $58K | $57K | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR W STE 500 SAINT LOUIS, MO 63110 | DELTA DENTAL OF NEW MEXICO | $11K | — | $11K | 7.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR W STE 500 SAINT LOUIS, MO 63110 | HARTFORD LIFE AND ACCIDENT | $15K | $1K | $16K | 13.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DANIEL & HENRY CO BROKER | Claims processing Service code 12 | 1001 HIGHLANDS PLAZA DR W STE 500 SAINT LOUIS, MO 63110 | $58K |
| DELTA DENTAL OF NEW MEXICO EIN 85-0224562 CONTRACT ADMIN | Claims processing Service code 12 | — | $23K |
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 | 619 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 620 | $1.8M |
| Dental | DELTA DENTAL OF NEW MEXICO | 505 | $139K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 363 | $121K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 363 | $121K |
| Other | HARTFORD LIFE AND ACCIDENT | 363 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.