| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL3 | MARSH AND MCLENNAN AGENCY LLC CO 825 MARYVILLE CENTRE DR ST. LOUIS, MO 63017 | GROSVENOR BROKERS | $14K | $26K | $40K | 7.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO. | 1001 HIGHLANDS PLAZA DR W STE 500 SAINT LOUIS, MO 63110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $5K | 9.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $431 | — | $431 | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DR W STE 500 SAINT LOUIS, MO 631101337 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 14.17% |
| MARSH & MCLENNAN AGENCY LLC3 | J.W. TERRILL 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 630175942 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $714 | — | $714 | 1.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DR W STE 500 SAINT LOUIS, MO 631101337 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.79% |
| MARSH & MCLENNAN AGENCY LLC3 | J.W. TERRILL 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 630175942 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $325 | — | $325 | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DR W STE 500 SAINT LOUIS, MO 631101337 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 11.72% |
| MARSH & MCLENNAN AGENCY LLC3 | J.W. TERRILL 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 630175942 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $462 | — | $462 | 1.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE EIN 71-0847266 ADMINISTRATOR | Contract Administrator; Other services; Claims processing; Recordkeeping fees; Other fees; Account maintenance fees Service code 12 | — | $336K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Contract Administrator; Claims processing Service code 12 | — | $30K |
| BENEFLEX HR RESOURCES, INC. EIN 26-4445781 THIRD PARTY | Contract Administrator Service code 13 | — | $14K |
| UNITED OF OMAHA LIFE INSURANCE COMP EIN 47-0322111 NONE | Contract Administrator; Claims processing Service code 12 | — | $11K |
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 | 458 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 401 | $54K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 458 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 458 | $39K |
| Stop-loss / reinsurancereinsurance | GROSVENOR BROKERS | 429 | $522K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 458 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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."
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.