| 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. | — | $49K | $49K | 6.09% |
| MERITAIN HEALTH3 | 9201 WATSON ROAD ST. LOUIS, MO 63126 | HCC LIFE INSURANCE CO. | — | $45K | $45K | 5.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR., STE. 200 CHESTERFIELD, MO 63017 | HCC LIFE INSURANCE CO. | $8K | — | $8K | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR., STE. 200 CHESTERFIELD, MO 63017 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $1K | $14K | 16.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR., STE. 200 CHESTERFIELD, MO 63017 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $806 | $8K | 16.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $45K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $28K |
| HEALTHLINK INC EIN 43-1364135 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $18K |
| FIRST HEALTH EIN 33-0837721 NONE | Direct payment from the plan Service code 50 | — | $12K |
| RX BENEFITS INC EIN 63-1157085 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $9K |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 327 | $47K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 326 | $86K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE CO. | 282 | $811K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 327 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.