| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL, MARSH & MCLENNAN AGENCY | 825 MARYVILLE CENTRE DR., STE 200 CHESTERFIELD, MO 63017 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $40K | $40K | 3.13% |
| J.W. TERRILL3 Filed as: JW TERRILL, INC. | 825 MARYVILLE CENTRE DR., STE 200 CHESTERFIELD, MO 63017 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL A MARSH & MCLENN | 825 MARYVILLE CENTRE DR., STE 200 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $9K | — | $9K | 10.13% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES, INC. | 825 MARYVILLE CENTRE DR., STE 200 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $845 | — | $845 | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR., STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 17.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR., STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.75% |
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 | 99 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.3M |
| Dental | DELTA DENTAL OF MISSOURI | 219 | $86K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $77K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $77K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $77K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.