| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 825 MARYVILLE CENTRE DRIVE SUITE 20 ST LOUIS, MO 63017 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 825 MARYVILLE CENTRE DR SUITE 200 ST. LOUIS, MO 63017 | DELTA DENTAL OF MISSOURI | $8K | $281 | $8K | 11.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 825 MARYVILLE CENTRE DR SUITE 200 ST. LOUIS, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $497 | $5K | 20.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 825 MARYVILLE CENTRE DR SUITE 200 ST LOUIS, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $119 | $2K | 10.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 825 MARYVILLE CENTRE DR SUITE 200 ST LOUIS, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $236 | $2K | 18.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 825 MARYVILLE CENTRE DR SUITE 200 ST LOUIS, MO 63017 | ADVANTICA INSURANCE COMPANY | $987 | $44 | $1K | 11.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 825 MARYVILLE CENTRE DR SUITE 200 ST LOUIS, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $984 | $68 | $1K | 23.49% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $817K |
| Dental | DELTA DENTAL OF MISSOURI | 206 | $66K |
| Vision | ADVANTICA INSURANCE COMPANY | 159 | $9K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $24K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $817K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.