| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE CHESTERFIELD, MO 63017 | UNITED HEALTHCARE SERVICES, INC. | $3K | — | $3K | 1.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE CHESTERFILED, MO 63017 | DELTA DENTAL OF ILLINOIS | $11K | — | $11K | 9.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE CHESTERFILED, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 25.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE CHESTERFILED, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 25.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE CHESTERFILED, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $974 | $3K | 20.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $755 | $4K | 25.48% |
| MARSH & MCLENNAN AGENCY LLC Filed as: JW TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE CHESTERFILED, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $758 | $3K | 25.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE CHESTERFILED, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $527 | $2K | 26.15% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OMAHA LIFE INSURANCE COMP | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE CHESTERFILED, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $937 | $340 | $1K | — |
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 | 295 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE SERVICES, INC. | 243 | $163K |
| Dental | DELTA DENTAL OF ILLINOIS | 228 | $110K |
| Vision | DELTA DENTAL OF ILLINOIS | 228 | $110K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $34K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $32K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.