| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL MARSH & MCLENNAN AGENCY | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | DELTA DENTAL OF ILLINOIS | $12K | — | $12K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $441 | $441 | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 42.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $871 | $871 | 4.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $392 | $392 | 2.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL MARSH & MCLENNAN AGENCY | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 26.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL MARSH & MCLENNAN AGENCY | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $930 | $3K | 21.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL MARSH & MCLENNAN AGENCY | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $854 | $4K | 26.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $227 | $227 | 2.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL MARSH & MCLENNAN AGENCY | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $692 | $3K | 26.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL MARSH & MCLENNAN AGENCY | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $474 | $2K | 26.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL MARSH & MCLENNAN AGENCY | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $963 | $7K | $8K | — |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OMAHA LIFE INSURANCE COMPANY | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | — |
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 | 293 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE SERVICES, INC. | 240 | $160K |
| Dental | DELTA DENTAL OF ILLINOIS | 229 | $120K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 286 | $0 |
| Other(14 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 293 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.