| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL, A MARSH & MCLENNAN AGEN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $47K | $47K | 3.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $9K | — | $9K | 8.44% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: JW TERRILL A MARSH & MCL | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: JW TERRILL A MARSH & MCL | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: JW TERRILL A MARSH & MCL | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | ADVANTICA INSURANCE COMPANY | $798 | — | $798 | 8.22% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: JW TERRILL A MARSH & MCL | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $644 | — | $644 | 19.99% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $1.5M |
| Dental | DELTA DENTAL OF MISSOURI | 201 | $101K |
| Vision | ADVANTICA INSURANCE COMPANY | 155 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $27K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $11K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.