| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | $0 | $78K | 7.48% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $0 | $25K | 2.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 1.17% |
| J.W. TERRILL3 | UNKNOWN UNKNOWN, MO 00000 | BEAZLEY INSURANCE COMPANY, INC. | $34K | $0 | $34K | 6.96% |
| COTERIE3 | UNKNOWN UNKNOWN, MO 00000 | BEAZLEY INSURANCE COMPANY, INC. | $17K | $0 | $17K | 3.48% |
| J.W. TERRILL3 Filed as: J.W. TERRILL VENDOR DISBURSEMENT | UNKNOWN UNKNOWN, MO 00000 | BEAZLEY INSURANCE COMPANY, INC. | $9K | $0 | $9K | 1.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | AXIS INSURANCE COMPANY | $17K | $0 | $17K | 10.15% |
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 | 875 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 885 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BEAZLEY INSURANCE COMPANY, INC. | 407 | $656K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,016 | $1.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,016 | $1.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,016 | $1.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,016 | $1.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,016 | $1.0M |
| Prescription drug | AXIS INSURANCE COMPANY | 407 | $165K |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 1,148 | $135K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,016 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,016 | — |
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.