| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $86K | $0 | $86K | 7.41% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $0 | $49K | 4.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $8K | $37K | 11.72% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $0 | $39K | 20.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL A MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $0 | $31K | 15.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.53% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 18.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL A MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 14.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $576 | $0 | $576 | 0.54% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 18.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL A MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 14.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $563 | $0 | $563 | 0.55% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 14.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $314 | $0 | $314 | 0.54% |
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 | 921 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 921 | $312K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,103 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,103 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,103 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,103 | $1.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,103 | $1.2M |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 1,179 | $437K |
| Other(6 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,103 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,103 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.