| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | COVENTRY HEALTH AND LIFE | $20K | — | $20K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | COVENTRY HEALTH AND LIFE | $5K | — | $5K | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | COVENTRY HEALTH AND LIFE | $2K | — | $2K | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 10.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | UNITED OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 17.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | UNITED OMAHA LIFE INSURANCE COMPANY | $420 | — | $420 | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | UNITED OMAHA LIFE INSURANCE COMPANY | $4K | $992 | $5K | 17.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | UNITED OMAHA LIFE INSURANCE COMPANY | $376 | — | $376 | 1.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | UNITED OMAHA LIFE INSURANCE COMPANY | $2K | $746 | $3K | 17.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | UNITED OMAHA LIFE INSURANCE COMPANY | $316 | — | $316 | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | EYEMED VISION CARE | $941 | — | $941 | 9.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | UNITED OMAHA LIFE INSURANCE COMPANY | $1K | $400 | $2K | 18.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | UNITED OMAHA LIFE INSURANCE COMPANY | $119 | — | $119 | 1.34% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH AND LIFE | 255 | $661K |
| Dental | AETNA LIFE INSURANCE CO. | 239 | $74K |
| Vision | EYEMED VISION CARE | 167 | $9K |
| Life insurance(2 contracts) | UNITED OMAHA LIFE INSURANCE COMPANY | 147 | $36K |
| Long-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 148 | $31K |
| Other(3 contracts, 2 carriers) | COVENTRY HEALTH AND LIFE | 255 | $707K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.