| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL A MARSH & MCLENNAN AGEN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 630175942 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $33 | $19K | 9.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $85 | $85 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 630175947 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $2K | $15K | 16.77% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 630175947 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $1K | $14K | 16.82% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J.W. TERILL, A MARSH & MCLENNAN AGE | 825 MARYVILLE CTR DR STE 200 CHESTERFIELD, MO 630175947 | VISION SERVICE PLAN | $2K | — | $2K | 4.13% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 630175947 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $630 | $6K | 16.93% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 630175947 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $417 | $114 | $531 | 19.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Claims processing; Other fees; Float revenue; Direct payment from the plan Service code 12 | — | $1.1M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $55K |
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 | 358 | 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) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 633 | $196K |
| Vision | VISION SERVICE PLAN | 264 | $39K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 366 | $33K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 363 | $88K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 363 | $82K |
| Stop-loss / reinsurancereinsurance | ACE BENEFIT-RYAN SPECIALTY-OPTUMHEALTH-UNIMERICA | 336 | $472K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 158 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.