| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194060000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, MARSH & MCLENNAN AGEN | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | EYEMED VISION CARE | $3K | — | $3K | 13.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $619 | $124 | $743 | 22.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC EIN 36-2668272 | Insurance agents and brokers Service code 22 | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | $84K |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 282 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 215 | $100K |
| Vision(2 contracts) | EYEMED VISION CARE | 228 | $22K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 86 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.