| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $118K | — | $118K | 3.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL BENEFIT SERVICES INC. | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| SCOTT S JAMES3 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $17K | 6.44% |
| J.W. TERRILL3 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $42 | $20K | 10.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $113 | $2K | 17.61% |
| BARIS, LYNDA, WILLICK3 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 2.15% |
| BARIS, LYNDA, WILLICK3 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.40% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 563 | $3.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 892 | $203K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 563 | $3.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 322 | $267K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 322 | $268K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 322 | $267K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 322 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 892 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.