| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $640 | $6K | 8.51% |
| J.W. TERRILL3 Filed as: JW TERRILL | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.33% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $649 | $3K | 7.86% |
| J.W. TERRILL3 Filed as: JW TERRILL | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $476 | — | $476 | 1.36% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $367 | $3K | 13.15% |
| J.W. TERRILL3 Filed as: JW TERRILL | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $739 | — | $739 | 3.68% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 8.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | UNION SECURITY INSURANCE COMPANY | $265 | $663 | $928 | 5.49% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $759 | $129 | $888 | 13.34% |
| J.W. TERRILL3 Filed as: JW TERRILL | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $239 | — | $239 | 3.59% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $592 | $372 | $964 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $372 | — | $372 | 5.79% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $114 | $28 | $142 | 11.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $71 | — | $71 | 5.74% |
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 | 86 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $76K |
| Vision | UNION SECURITY INSURANCE COMPANY | 92 | $17K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $20K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.