| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL A MARSH & MCLENNAN | AGENCY 825 MARYVILLE CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $33K | $33K | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $11K | $11K | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | J.W. TERRILL 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 630175942 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.78% |
| MARSH & MCLENNAN AGENCY LLC5 | JW TERRILL 825 MARYVILLE CTR DRIVE CHESTERFIELD, MO 630175942 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.85% |
| MARSH & MCLENNAN AGENCY LLC3 | J.W. TERRILL 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 630175942 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $225 | $225 | 5.00% |
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 | 206 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 465 | $2.1M |
| Dental | DELTA DENTAL OF MISSOURI | 472 | $141K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 465 | $2.1M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 466 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 466 | $53K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 466 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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.