| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 630175942 | UNITED HEALTHCARE INSURANCE COMPANY | — | $50K | $50K | 3.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - JW | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF MISSOURI | $9K | $739 | $10K | 12.78% |
| MARSH & MCLENNAN AGENCY LLC7 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: NIA GROUP A MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $594 | $594 | 1.57% |
| MARSH & MCLENNAN AGENCY LLC7 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: NIA GROUP A MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $536 | $536 | 1.49% |
| MARSH & MCLENNAN AGENCY LLC7 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: NIA GROUP A MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $256 | $256 | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | ADVANTICA INSURANCE COMPANY | $1K | — | $1K | 10.39% |
| MARSH & MCLENNAN AGENCY LLC7 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $935 | — | $935 | 20.00% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: NIA GROUP A MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $43 | $43 | 0.92% |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 230 | $1.6M |
| Dental | DELTA DENTAL OF MISSOURI | 231 | $79K |
| Vision | ADVANTICA INSURANCE COMPANY | 189 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $16K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.