| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERV. | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $8K | $953 | $9K | 11.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL BENEFIT SVCS INC | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $8K | 24.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL BENEFIT SVCS INC | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $759 | $5K | 23.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL BENEFIT SVCS INC | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 24.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL BENEFIT SVCS INC | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $451 | $4K | 22.20% |
| J.W. TERRILL3 | 825 MARYVILLE CENTRE DR, SUITE 200 CHESTERFIELD, MO 63014 | VISION BENEFITS OF AMERICA | $216 | $0 | $216 | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: A MARSH & MCLENNAN AGENCY LLC CO. | 825 MARYVILLE CENTRE DR, SUITE 2 CHESTERFIELD, MO 63017 | VISION BENEFITS OF AMERICA | $68 | $0 | $68 | 0.90% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 165 | $83K |
| Vision | VISION BENEFITS OF AMERICA | 62 | $8K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $39K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $33K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.