| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND N DR MINNEAPOLIS, MN 55428 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $31K | — | $31K | 3.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $11K | — | $11K | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $9K | — | $9K | 11.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.52% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $769 | $769 | 3.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $882 | — | $882 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $245 | $245 | 4.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $844 | — | $844 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $234 | $234 | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $168 | — | $168 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $52 | $52 | 4.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL A MARSH & MCLENNAN AGENC | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $123 | $1K | 138.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLEBROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $159 | $159 | 15.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE 200 CHESTERFIELD, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 3.81% |
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 | 81 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 85 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 212 | $927K |
| Dental | DELTA DENTAL OF MISSOURI | 225 | $75K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 182 | $1K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $20K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.