| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $45K | — | $45K | 3.04% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $3K | — | $3K | 3.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. W. TERRILL BENEFIT SERVICES, INC | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $250 | $3K | 16.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7225 NORTHLAND N DR MINNEAPOLIS, MN 55428 | ANTHEM LIFE INSURANCE COMPANY | $538 | — | $538 | 4.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W.TERRILL,A MARSH&MCLENNAN AGENCY | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 630175947 | VISION SERVICE PLAN | $58 | — | $58 | 0.48% |
No Schedule C service providers reported on this filing.
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 160 | $1.5M |
| Dental | DELTA DENTAL OF MISSOURI | 308 | $94K |
| Vision | VISION SERVICE PLAN | 103 | $12K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 193 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $18K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 193 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.