| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | DELTA DENTAL OF MISSOURI | $7K | — | $7K | 9.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. - JW TERRILL | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 21.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. - JW TERRILL | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 21.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. - JW TERRILL | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $938 | $3K | 21.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. - JW TERRILL | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | ADVANTICA INSURANCE COMPANY | $978 | — | $978 | 9.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. - JW TERRILL | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $317 | $151 | $468 | 22.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53 | — | $53 | 20.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $46K |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 207 | $68K |
| Vision | ADVANTICA INSURANCE COMPANY | 144 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $23K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.