Ancillary Insurance Broker
| Location: | Missouri |
|---|---|
| Posted: | Sep 3, 2026 |
| Due: | Oct 2, 2026 |
| Agency: | Lake Saint Louis |
| Type of Government: | State & Local |
| Category: |
|
| Solicitation No: | RFP 06-26 |
| Publication URL: | To access bid details, please log in. |
| Bid Number: |
RFP 06-26
|
| Bid Title: |
Ancillary Insurance Broker
|
| Category: | Professional Services |
| Status: | Open |
|
Attachment Preview
REQUEST FOR PROPOSAL
RFP Number 06-26
Employee Dental, Vision, Life, Accidental Disability,
Long & Short Term Disability and Cafeteria Plan
Consultant/Broker
ISSUED BY
CITY OF LAKE SAINT LOUIS
September 2026
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REQUEST FOR PROPOSAL
Employee Dental, Vision, Life, Accidental Death, Long/Short Term Disability and Cafeteria
Plan Consultant/Broker
The City of Lake Saint Louis Administration Department invites qualified firms to submit proposals
to provide consultant/broker services for employees’ benefit plans. The consultant/broker may also
be asked to provide services for specialty insurance coverage that may be outside the normal market
of the selected broker, and as authorized, negotiate premiums, audit policies and rates and provide
recommendations for city staff. The city desires the consultant/broker to review the city’s insurance
program and make program recommendations. The consultant/broker shall also market the
insurance coverage and put in place that coverage after the Board of Aldermen has approved a
contract. It is the expectation that the contract shall be renewable by mutual consent on an annual
basis after the first year for not more than four (4) additional years, for a maximum total contract
term of five (5) years.
The Request for Proposal (RFP) is submitted for your review and consideration. The complete
Request for Proposal, including the Exhibits, are accessible on our website at
www.lakesaintlouis.com .
The deadline for submitting a proposal is Friday, October 2, 2026 at 12:00 PM. No proposals
will be accepted after this date. Submit the proposal to:
Donna Daniel
City Clerk
City of Lake Saint Louis
200 Civic Center Drive
Lake Saint Louis, MO 63367
If you have any questions regarding the RFP, please contact George Ertle at 636-625-1200, or 200
Civic Center Drive, Lake Saint Louis, MO 63367, or email at hr@lakesaintlouis.com. The City of
Lake Saint Louis reserves the right to reject any or all proposals or to accept any proposal or portion
of a proposal deemed to be in the City’s best interest.
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TABLE OF CONTENTS
SECTION I. GENERAL INSTRUCTIONS
Submission Requirements
Examination of Documents
Proposal Format
Additional Information and Specification Changes
Terms, Conditions, Exceptions and Limitations
E-Verify Affidavit
Insurance Requirement
Indemnification
Recommendations/Exceptions
Laws of the State of Missouri to Prevail
SECTION II. DESCRIPTION OF SERVICES
Background
Scope of Services
SECTION III. PROPOSAL ASSUMPTIONS & CONTENT
Proposal Format
General Questions
Evaluation and Selection Factors
Proposal Pricing Page
Proposal Pricing Page Form
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SECTION I. GENERAL INSTRUCTIONS
Submission Requirements
Three (3) copies of your sealed, written proposal, including one (1) original, signed in ink must be submitted
to:
Donna Daniel
City Clerk
City of Lake Saint Louis
200 Civic Center Drive
Lake Saint Louis, MO 63367
This proposal must be received no later than Friday, October 2 at 12:00 PM. Please clearly indicate on
the envelope or box, “PROPOSAL FOR EMPLOYEE BENEFIT CONSULTANT/BROKER” Proposers
may elect to either mail or personally deliver their proposal to the City Clerk. No modifications or addenda
to a proposal will be accepted after the referenced submission date unless the City of Lake Saint Louis
requests it in writing.
Failure to submit the required number of copies as stated above by the stated deadline and comply with the
terms, conditions and instructions as set forth in the Request for Proposal (RFP) may disqualify the proposal.
Examination of Documents and Requirements
Each Proposer shall familiarize themselves with all requirements prior to submitting a proposal to ensure that
the proposal meets the intent of this RFP.
Before submitting a proposal, each Proposer shall be responsible for making all investigations and
examinations that are necessary to ascertain conditions and requirements affecting the requirements of this
RFP. Failure to make such investigations and examinations shall not relieve the Proposer from obligation to
comply, in every detail, with all provisions and requirements of the Request for Proposal.
Proposal Format
The proposal is to be typewritten and an original signed in blue ink by a duly elected or appointed officer
who is authorized to do so. Legibility, clarity, and completeness are important and essential elements of the
proposal.
Unnecessarily elaborate brochures or other presentations beyond those sufficient to present a complete and
effective proposal are not desired.
The proposal as submitted will become a part of the final contract approved by the City of Lake Saint Louis.
Additional Information and Specification Changes
Proposers will be notified on the website at www.lakesaintlouis.com or in writing of any change in the
specifications contained in the RFP. Check this website every day during the proposal period.
The City of Lake Saint Louis reserves the right to change any or all specifications. Explanations or
instructions not confirmed in writing shall not be considered binding on the City of Lake Saint Louis.
The consultant/broker shall be paid from commissions paid by the insurance carrier when placing the City
with a carrier. The commission may be on a flat fee per employee or percentage basis, but regardless, will be
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paid by the carrier and not the City. Proposers are to identify their commission schedule for the carriers they
do business with on the Proposal Pricing Page placed in a separately sealed envelope that is enclosed with
the proposal. The separately sealed envelope with the commission schedule will not be opened until the
proposals have been ranked based on qualifications. An Administrative Service Agreement shall identify the
commission that will be charged by the broker/consultant. Consultant/broker must sign an affidavit upon
placing the City with a carrier that the commissions agreed to in the Administrative Service Agreement is
what the consultant/broker received from the carrier and that the consultant/broker did not receive any other
commission or fee from the carrier for placing the City with the carrier.
The City of Lake Saint Louis reserves the right to conduct post-proposal discussions with any Proposer who
has a realistic possibility of contract award.
Proposals may not be withdrawn for ninety (90) days from the proposal due date.
Terms, Conditions, Limitations and Exceptions
1. This RFP does not commit the City of Lake Saint Louis to award a contract, issue a Purchase Order,
or to pay any costs incurred in the preparation of a proposal in response to this request.
2. The proposals will become part of the City’s official files without any obligation on the City’s part.
All Responses shall be held confidential from all parties other than the City until after the contract is
awarded. Afterward, the proposals shall be available to the public.
3. The City of Lake Saint Louis shall not be held accountable if material from responses is obtained
without the written consent of the vendor by parties other than the City, at any time during the
proposal evaluation process.
4. In the event a Proposer submits trade secret information to the City, the information must be clearly
labeled as a “Trade Secret”. The City will maintain the confidentiality of such trade secret to the
extent provided by law.
5. The Proposer shall not offer any gratuities, favors, or anything of monetary value to any official or
employee of the City of Lake Saint Louis (including any and all members of the proposal evaluation
committee) for the purpose of influencing consideration of a proposal.
6. Proposer(s) shall not collude in any manner, or engage in any practices, with any other Proposer(s),
which may restrict or eliminate competition or otherwise restrain trade. This is not intended to
preclude subcontracts and joint ventures for the purposes of: a) responding to this RFP, or b)
establishing a project team with the required experience and/or capability to provide the goods or
services specified herein.
7. All proposals submitted must be the original work product of the Proposer. The copying or
paraphrasing of the work product of another Proposer is not permitted.
8. The RFP and the related responses of the selected Proposer will by reference (within a Contract)
become part of any formal agreement between the selected Proposer and the City. The City and the
selected Proposer may negotiate a contract or contracts for submission to Board of Aldermen for
consideration and approval. In the event an agreement cannot be reached with the selected Proposer,
the City reserves the right to select an alternative Proposer. The city reserves the right to negotiate
with proposer the exact terms and conditions of the contract.
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