| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | DELTA DENTAL OF MISSOURI | $25K | — | $25K | 10.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | EYEMED VISION CARE | — | $3K | $3K | 9.78% |
| FOOTPRINTS IN THE SAND FITS LLC4 | 725 OAKSDALE SUMMIT CT WILDWOOD, MO 63011 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 10.20% |
| J.W. TERRILL4 Filed as: JW TERRILL BENEFIT SERVICE | STE 200 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 9.85% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF RUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RX BENEFITS EIN 63-1157085 NONE | Claims processing; Other fees; Float revenue; Direct payment from the plan Service code 12 | — | $1.4M |
| UMR INC EIN 39-1995276 NONE | Claims processing Service code 12 | — | $220K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 NONE | Insurance agents and brokers; Other commissions Service code 22 | PO BOX 412703 BOSTON, MA 02241 | $68K |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1 | $11K |
| Dental | DELTA DENTAL OF MISSOURI | 649 | $248K |
| Vision | EYEMED VISION CARE | 509 | $32K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,622 | $392 |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,622 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 324 | $904K |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 88 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,622 | — |
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.