| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL BENEFIT SERVICES INC. | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $42K | $0 | $42K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J W TERRIL, A MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $4K | $34K | 11.90% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J W TERRILL, A MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $4K | $35K | 12.35% |
| LESSLIE CONSULTING INC3 Filed as: LESSLIE CONSULTING, INC. | 1049 POLO DOWNS DRIVE CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $8K | $0 | $8K | 10.02% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J W TERRILL BENEFIT SERVICES INC. | 825 MARYVILLE CENTRE DR. STE. 200 CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $479 | $0 | $479 | 3.23% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J W TERRILL BENEFIT SERVICES INC. | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $52 | $52 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J W TERRILL, A MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $13 | $1K | 11.25% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J W TERRILL, A MARSH & MCLENNAN | 825 MARYVILLECENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $426 | $14 | $440 | 6.45% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 303 | $1.4M |
| Dental | DELTA DENTAL OF MISSOURI | 277 | $82K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 173 | $15K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 31 | $7K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 437 | $583K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.