| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | J.W. TERRILL 825 MARYVILLE CENTRE DR, SUITE 200 CHESTERFIELD, MO 63017 | HCC LIFE INSURANCE COMPANY | $22K | — | $22K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA J.W. TERRILL 33213 COLLECTION CENTER DR CHICAGO, IL 606930628 | HCC LIFE INSURANCE COMPANY | — | $3K | $3K | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 | J.W. TERRILL 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $4K | $24K | 30.76% |
| MARSH & MCLENNAN AGENCY LLC3 | J.W. TERRILL 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $15K | 22.90% |
| MARSH & MCLENNAN AGENCY LLC3 | J.W. TERRILL 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL A MARSH & | MCCLENNAN AGENCY LLC COMPANY 825 MARYVILLE CENTRE DR, SUITE 200 CHESTERFIELD, MO 630175942 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $33 | $3K | 9.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $407 | $407 | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD SUITE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14 | $14 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | J.W. TERRILL 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $554 | $2K | 20.54% |
| MARSH & MCLENNAN AGENCY LLC3 | J.W. TERRILL 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $641 | $2K | 22.07% |
| MARSH & MCLENNAN AGENCY LLC3 | J.W. TERRILL 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $889 | $411 | $1K | 21.94% |
| MARSH & MCLENNAN AGENCY LLC3 | J.W. TERRILL 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $702 | $286 | $988 | 21.11% |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 279 | $436K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 647 | $33K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $87K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $64K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $50K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 279 | $436K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 647 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.