| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL3 Filed as: JW TERRILL | 825 MARYVILLE CENTRE DR SUITE 200 CHESTERFIELD, MO 63017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $47K | — | $47K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $17K | $17K | 5.36% |
| UMR, INC.3 Filed as: UMR, INC | 11 SCOTT ST SUITE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.70% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $7K | $404 | $7K | 9.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $373 | $3K | 16.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $315 | $3K | 16.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYLAND CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $813 | $42 | $855 | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $114 | $114 | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYLAND CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $137 | $1K | 16.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $528 | — | $528 | 19.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $59K |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 272 | $76K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 140 | $16K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $26K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $27K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $313K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.