| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL3 Filed as: J.W. TERRILL (M&MA) | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | METLIFE LEGAL PLANS | $39K | — | $39K | 9.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO (M&MA) | 11330 LAKEFIELD DR, STE 100, BLDG 1 JOHNS CREEK, GA 30097 | METLIFE LEGAL PLANS | — | $3K | $3K | 0.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 502 EARTH CITY EXPRESSWAY, STE 203 EARTH CITY, MO 63045 | $1.4M |
| METLIFE LEGAL PLANS, INC. EIN 34-1650967 NONE | Legal Service code 29 | — | $388K |
| MARSH & MCLENNAN AGENCY EIN 43-1526995 NONE | Consulting (general) Service code 16 | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | $82K |
| CAVANAGH AND OHARA EIN 37-1259635 NONE | Legal Service code 29 | 407 EAST ADAMS STREET SPRINGFIELD, IL 62705 | $61K |
| DENTAL NETWORK OF AMERICA EIN 36-3339483 NONE | Insurance services Service code 23 | 701 E. 22ND STREET, SUITE 300 LOMBARD, IL 60148 | $52K |
| GRABEL SCHNIEDERS HOLLMAN & CO EIN 43-1171178 NONE | Accounting (including auditing) Service code 10 | 206 W ARGONNE, SUITE 200 KIRKWOOD, MO 63122 | $17K |
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 | 4,800 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,826 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 0 | $63.3M |
| Vision | VISION SERVICE PLAN | 0 | $0 |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 4,373 | $249K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 4,404 | $3.4M |
| Other(2 contracts, 2 carriers) | METLIFE LEGAL PLANS | 4,373 | $636K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,404 | — |
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.