| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL A MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR SUITE 200 CHESTERFIELD, MO 63017 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $36K | $36K | 5.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR SUITE 200 CHESTERFIELD, MO 63017 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL A MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | DELTA DENTAL OF ILLINOIS | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 25.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $579 | $579 | 3.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 25.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $724 | $724 | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $262 | $262 | 3.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $228 | $228 | 3.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAYLOCITY CORPORATION EIN 36-4227403 3RD PARTY | Contract Administrator Service code 13 | 1400 AMERICAN LANE SCHAUMBURG, IL 60173 | $10K |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $654K |
| Dental | DELTA DENTAL OF ILLINOIS | 80 | $30K |
| Life insurance(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $46K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.