| 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 | — | $44K | $44K | 5.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR SUITE 200 CHESTERFIELD, MO 63017 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL A MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | DELTA DENTAL OF ILLINOIS | $4K | — | $4K | 9.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL, A MARSH & MCLENNAN AGE | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 36.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN, 16TH FLOOR DALLAS, TX 75231 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $373 | $373 | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL A MARSH & MCLENNAN AGEN | 825 MARYVILLE CENTRE DR 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $985 | — | $985 | 9.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $147 | $147 | 1.48% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 671 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $142 | — | $142 | 1.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR 1249 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| 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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 95 | $828K |
| Dental | DELTA DENTAL OF ILLINOIS | 86 | $37K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 120 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $8K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 17 | $12K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.