| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC4 | NORTHLAND N DR, MINNEAPOLIS, MN 55428 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $28K | — | $28K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $4K | — | $4K | 7.34% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $1K | — | $1K | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $610 | $3K | 10.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $351 | $3K | 17.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL A MARSH & MCLENNAN AGENC | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $999 | $439 | $1K | 13.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20 | $20 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $800 | — | $800 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $117 | $117 | 2.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $733 | $116 | $849 | 17.38% |
| J.W. TERRILL3 Filed as: JW TERRILL | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $147 | — | $147 | 14.98% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23 | $23 | 2.34% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 168 | $565K |
| Dental | DELTA DENTAL OF MISSOURI | 169 | $57K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 135 | $11K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 83 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 83 | $16K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 83 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.