| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES, INC | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $37K | — | $37K | 3.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES, INC | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $3K | — | $3K | 3.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES, INC | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 630175947 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $224 | $3K | 16.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W.TERRILL,A MARSH&MCLENNAN AGENCY | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 630175947 | VISION SERVICE PLAN | $57 | — | $57 | 0.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND N DR MINNEAPOLIS, MN 55428 | ANTHEM LIFE INSURANCE COMPANY | $371 | — | $371 | 4.04% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 133 | $1.2M |
| Dental | DELTA DENTAL OF MISSOURI | 255 | $87K |
| Vision | VISION SERVICE PLAN | 100 | $12K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 133 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $16K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 133 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.