| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $142 | $7K | 15.33% |
| R W TROXELL AND COMPANY | 214 SOUTH GRAND AVENUE WEST SPRINGFIELD, IL 62704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $527 | — | $527 | 1.23% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 630175947 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $132 | $6K | 15.33% |
| R W TROXELL AND COMPANY | 214 SOUTH GRAND AVENUE WEST SPRINGFIELD, IL 62704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $491 | — | $491 | 1.23% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J.W. TERRILL, A MARSH & MCLENNAN AG | 825 MARYVILLE CTR DR STE 200 CHESTERFIELD, MO 630175947 | VISION SERVICE PLAN | $1K | — | $1K | 5.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $59K |
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 | 218 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 155 | $20K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 242 | $43K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 242 | $40K |
| Stop-loss / reinsurancereinsurance | SUMMIT REINSURANCE SVCS INC - COMPANION | 206 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.