| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DR., STE. 200 CHESTERFIELD, MO 63017 | HCC LIFE INSURANCE CO. | — | $109K | $109K | 15.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR., STE. 200 CHESTERFIELD, MO 63017 | HCC LIFE INSURANCE CO. | $12K | — | $12K | 1.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR., STE. 200 CHESTERFIELD, MO 63017 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR., STE. 200 CHESTERFIELD, MO 63017 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| J.W. TERRILL BENEFIT ADMINISTRATORS EIN 43-1834988 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $46K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $25K |
| HEALTHLINK INC EIN 43-1364135 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $17K |
| FIRST HEALTH EIN 33-0837721 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $11K |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $32K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $55K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE CO. | 273 | $702K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.
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.