| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISION SERVICE PLAN | TWO CITY PLACE DRIVE SUITE 200 ST. LOUIS, MO 63141 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator Service code 13 | 502 EARTH CITY EXPRESSWAY SUITE 203 EARTH CITY, MO 63045 | $290K |
| J W TERRILL EIN 43-1526995 NONE | Consulting (pension) Service code 17 | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | $60K |
| FIRST MID-ILLINOIS BANK & TRUST EIN 37-0404035 NONE | Investment management Service code 28 | PO BOX 499 MATTOON, IL 61938 | $48K |
| CAVANAGH AND OHARA EIN 37-1259635 NONE | Legal Service code 29 | 407 EAST ADAMS ST SPRINGFIELD, IL 62705 | $29K |
| MED-CARE MANAGEMENT EIN 88-0429522 NONE | Consulting (pension) Service code 17 | 2090 PALM BEACH LAKES BLVD STE 900 WEST PALM BEACH, FL 33409 | $23K |
| SCHEFFEL BOYLE EIN 37-1206530 NONE | Accounting (including auditing) Service code 10 | 143 N KANSAS ST EDWARDSVILLE, IL 62025 | $16K |
| UNITED ACTUARIAL SERVICES INC EIN 35-2156428 NONE | Actuarial Service code 11 | 11590 NORTH MERIDIAN ST SUITE 610 CARMEL, IN 46032 | $14K |
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 | 1,036 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 0 | $6.9M |
| Vision | VISION SERVICE PLAN | 3,469 | $298K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,304 | $26K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,054 | $355K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,304 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,469 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.