| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | HARTFORD LIFE AND ACCIDENT | $61K | $9K | $70K | 18.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | DELTA DENTAL OF MISSOURI | $25K | — | $25K | 10.62% |
| 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 | 8.52% |
| FOOTPRINTS IN THE SAND FITS LLC4 | 725 OAKSDALE SUMMIT CT WILDWOOD, MO 63011 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 11.99% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: J.W. TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 11.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RX BENEFITS EIN 63-1157085 NONE | Other fees; Direct payment from the plan; Float revenue; Claims processing Service code 12 | — | $858K |
| UMR INC EIN 39-1995276 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $184K |
| JW TERRILL BENEFIT SERVICES INC EIN 43-1526995 NONE | Other commissions; Insurance agents and brokers Service code 22 | — | $49K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 NONE | Insurance agents and brokers; Other commissions Service code 22 | PO BOX 412703 BOSTON, MA 02241 | $17K |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 619 | $239K |
| Vision | EYEMED VISION CARE | 494 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,448 | $375K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,448 | $375K |
| Stop-loss / reinsurancereinsurance | MEDICAL RISK MANAGERS - UNUM | 313 | $696K |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 88 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,448 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.