| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL3 Filed as: JW TERRILL INC. | 825 MARYVILLE CENTRE ROAD SUITE 200 CHESTERFIELD, MO 63017 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $60K | $60K | 3.46% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC. | 825 MARYVILLE CENTRE DR SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $12K | 10.41% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC. | 825 MARYVILLE CENTRE DR SUITE 200 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $11K | $98 | $11K | 9.19% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC. | 825 MARYVILLE CENTRE DR SUITE 200 CHESTERFIELD, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $621 | $2 | $623 | 3.34% |
| LYNDA WILLICK BARIS3 Filed as: LYNDA W BARIS | 825 MARYVILLE CENTRE DR SUITE 200 CHESTERFIELD, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $192 | — | $192 | 1.03% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC. | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | ADVANTICA INSURANCE COMPANY INC. | $2K | — | $2K | 10.00% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 425 | $1.7M |
| Dental | DELTA DENTAL OF MISSOURI | 443 | $117K |
| Vision | ADVANTICA INSURANCE COMPANY INC. | 435 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $119K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $119K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.