| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | UNITED HEALTHCARE | — | $21K | $21K | 2.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $4K | — | $4K | 8.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $427 | — | $427 | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 18.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $754 | $5K | 17.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $512 | $3K | 14.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | ADVANTICA INSURANCE COMPANY | $945 | — | $945 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | — |
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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 232 | $757K |
| Dental | DELTA DENTAL OF MISSOURI | 221 | $50K |
| Vision | ADVANTICA INSURANCE COMPANY | 163 | $9K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $74K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
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.