| 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 | $95K | $3K | $99K | 3.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 7.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC- JK TERRILL | 150 N MICHIGAN AVE #1205 CHICAGO, IL 60601 | DELTA DENTAL OF MISSOURI | $9K | — | $9K | 8.58% |
| J.W. TERRILL3 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $946 | $946 | 1.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTER DRIVE SUITE 200 ST. LOUIS, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 16.75% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | — | $2K | $2K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH | 825 MARYVILLE CENTER DRIVE ST. LOUIS, MO 63017 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTER DRIVE SUITE 200 ST. LOUIS, MO 63017 | UNUM INSURANCE COMPANY | $699 | $186 | $885 | 19.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $318 | — | $318 | 7.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTER DRIVE SUITE 200 ST. LOUIS, MO 63017 | UNUM INSURANCE COMPANY | $58 | $17 | $75 | 11.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 2.89% |
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 | 226 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 451 | $3.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 697 | $170K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 451 | $3.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $282K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $226K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $225K |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
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.