| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $3K | $382 | $4K | 92.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W. TERRILL BENEFIT SERVICES INC | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $287 | — | $287 | 7.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $2K | $593 | $3K | 97.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL BENEFIT SERVICES INC | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $83 | — | $83 | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $2K | $235 | $2K | 92.79% |
| J.W. TERRILL3 Filed as: J W TERRILL | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $166 | — | $166 | 7.21% |
| J.W. TERRILL3 | 825 MARYVILLE CENTRE DRIVE #200 CHESTERFIELD, MO 63017 | GERBER LIFE | $19K | — | $19K | — |
| KEY BENEFIT ADMINISTRATORS, INC3 Filed as: KEY BENEFIT ADMINISTRATORS, INC. | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | GERBER LIFE | $10K | — | $10K | — |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE CO | 16 | $3K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO | 171 | $2K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO | 97 | $4K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 142 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.