| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES, INC. | 825 MARYVILLE CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | UNITED HEALTHCARE INSURANCE COMPANY | — | $32K | $32K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES INC. | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 630175942 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $10K | $14K | 9.73% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES, INC. | 825 MARYVILLE CENTER DRIVE SUITE 200 CHESTERFIELD, MO 630175942 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES | 825 MARYVILLE CTR DRIVE SUITE 200 CHESTERFIELD, MO 630175942 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES, INC. | 825 MARYVILLE CTR DRIVE SUITE 200 CHESTERFIELD, MO 630175942 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $182 | $182 | 3.86% |
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 | 216 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 509 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 488 | $144K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $42K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.