| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 825 MARYVILLE CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $7K | — | $7K | 11.23% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: JW TERRILL A MARSH & MCL | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: JW TERRILL A MARSH & MCL | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: JW TERRILL A MARSH & MCL | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL A MARSH & MCLENNAN AGENC | 825 MARYVILLE CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $177 | $177 | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $447 | $6K | 56.50% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: JW TERRILL A MARSH & MCL | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $619 | — | $619 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 825 MARYVILLE CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 4.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE | Direct payment from the plan; Named fiduciary; Participant communication; Contract Administrator; Non-monetary compensation; Claims processing; Other services; Float revenue Service code 12 | — | $0 |
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 | 90 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 200 | $236K |
| Dental | DELTA DENTAL OF MISSOURI | 188 | $63K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $12K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $22K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $19K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.