| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL3 | A MARSH MCLENNAN AGENCY 825 MARYWILLE CENTRE DR STE 200 CHESTERFIELD, MO 630175942 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $43K | $45K | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $11K | $11K | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $2K | $7K | 13.25% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $472 | $2K | 18.75% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $629 | $629 | 5.00% |
| FOOTPRINTS IN THE SAND FITS LLC4 | 725 OAKSDALE SUMMIT CT WILDWOOD, MO 63011 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $658 | $0 | $658 | 16.53% |
| MARSH & MCLENNAN AGENCY LLC4 | 360 HAMILTON AVE STE 930 WHITE PLAINS, NY 106011847 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $275 | $0 | $275 | 6.91% |
| JERRY D MEANS JR4 | 909 SILVER LAKE VIEW DR PACIFIC, MO 630695581 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $20 | $0 | $20 | 0.50% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 147 | $1.0M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 113 | $54K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 113 | $54K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $13K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.