| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 606930628 | HCC LIFE INSURANCE COMPANY | $6K | — | $6K | 1.74% |
| MARSH & MCLENNAN AGENCY LLC1 Filed as: J.W. TERRILL, A MARSH & MCLENNAN AG | 825 MARYVILLE CENTRE DR. CHESTERFIELD, MO 63017 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN AG | 825 MARYVILLE CENTRE DR., STE 200 CHESTERFIELD, MO 630175942 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 412703 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $940 | $940 | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 825 MARYVILLE CENTRE DR. CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $840 | $840 | 5.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 825 MARYVILLE CENTRE DR. CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $443 | — | $443 | 3.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | — | $3K | $3K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH | 825 MARYVILLE CENTRE DR., SUITE 200 CHESTERFIELD, MO 63017 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 825 MARYVILLE CENTRE DR. CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $436 | $436 | 5.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 825 MARYVILLE CENTRE DR. CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $256 | — | $256 | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 185 ASYLUM ST. HARTFORD, CT 06103 | $161K |
| J.W. TERRILL, A MARSH & MCLENNAN AG EIN 26-3237576 BROKER | Other commissions Service code 55 | 825 MARYVILLE CENTRE DR., STE 200 CHESTERFIELD, MO 63017 | $22K |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 440 | $38K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 340 | $38K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 340 | $38K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $9K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 187 | $358K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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."
No prospect flags tripped on this filing.