| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $64K | $2K | $66K | 4.04% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $4K | $30K | 11.75% |
| MARSH & MCLENNAN AGENCY LLC | 360 HAMILTON AVE SUITE 930 WHITE PLAINS, NY 10601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 11.75% |
| MARSH & MCLENNAN AGENCY LLC | 360 HAMILTON AVE SUITE 930 WHITE PLAINS, NY 10601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 540 WEST MADISON CHICAGO, IL 60661 | DELTA DENTAL OF MISSOURI | $10K | $720 | $10K | 11.74% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $939 | $9K | 16.75% |
| MARSH & MCLENNAN AGENCY LLC | 360 HAMILTON AVE. SUITE 930 WHITE PLAINS, NY 10601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| J.W. TERRILL Filed as: J W TERRILL | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | UNUM INSURANCE COMPANY | $780 | $208 | $988 | 19.00% |
| MARSH & MCLENNAN AGENCY LLC | 360 HAMILTON AVE. SUITE 930 WHITE PLAINS, NY 10601 | UNUM INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| J.W. TERRILL Filed as: J W TERRILL | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | UNUM INSURANCE COMPANY | $545 | $145 | $690 | 18.97% |
| MARSH & MCLENNAN AGENCY LLC | 360 HAMILTON AVE. SUITE 930 WHITE PLAINS, NY 10601 | UNUM INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 247 | $1.6M |
| Dental | DELTA DENTAL OF MISSOURI | 274 | $89K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 247 | $1.6M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $140K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $252K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.