| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | 7225 NORTHLAND N DRIVE MINNEAPOLIS, MN 55428 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $44K | — | $44K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J W TERRILL BENEFIT SERVICES INC. | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $5K | $36K | 10.63% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $6K | $39K | 11.70% |
| LESSLIE CONSULTING INC3 Filed as: LESSLIE CONSULTING, INC. | 1049 POLO DOWNS DRIVE CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $8K | — | $8K | 9.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $741 | — | $741 | 0.84% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 16.75% |
| MARSH & MCLENNAN AGENCY LLC | 7225 NORTHLAND N DRIVE MINNEAPOLIS, MN 55428 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.04% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J W TERRILL BENEFIT SERVICES INC. | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $20 | $1K | 11.74% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $402 | — | $402 | 5.93% |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 270 | $88K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 190 | $15K |
| Other(6 contracts, 3 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 456 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.