| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 825 MARYVILLE CENTRE DR, SUITE 200 ST LOUIS, MO 63017 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | $301K | $366K | 4.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 825 MARYVILLE CENTRE DR, SUITE 200 ST LOUIS, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $11K | $21K | 7.39% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73K | $12K | $85K | 46.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 825 MARYVILLE CENTRE DR, SUITE 200 ST. LOUIS, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $20K | 10.78% |
| POWELL & MEADOWS INSURANCE AGENCY3 | 1006 MAIN ST N CARTHAGE, TN 37030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $567 | — | $567 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 825 MARYVILLE CENTRE DR, SUITE 200 ST LOUIS, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $4K | $22K | 18.89% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $2K | $21K | 55.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 825 MARYVILLE CENTRE DR, SUITE 200 ST LOUIS, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $317 | $5K | 13.22% |
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 | 886 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,674 | $9.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,674 | $9.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,674 | $9.1M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 886 | $432K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 886 | $279K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,674 | $9.1M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 886 | $577K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,674 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.