| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | HCC LIFE INSURANCE COMPANY | $22K | — | $22K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 30144 | HCC LIFE INSURANCE COMPANY | — | $4K | $4K | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL A MARSH & MCLENNAN AGENC | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 10.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PHELE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.01% |
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 | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 277 | $436K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 560 | $221K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 560 | $221K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 560 | $221K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 560 | $221K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 277 | $436K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 560 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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.