| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL5 Filed as: JW TERRILL | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | AMALGAMATED LIFE | $19K | — | $19K | 15.00% |
| RICK HABERSTROH3 | 1023 EXECUTIVE PARKWAY ST LOUIS, MO 63141 | KANSAS CITY LIFE | $316 | — | $316 | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UA LOCAL 551 EIN 37-0654835 LOCAL UNION | Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $38K |
| JW TERRILL EIN 43-1526995 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Contract Administrator Service code 13 | — | $26K |
| HEALTHLINK EIN 43-1364165 CLAIMS PRICING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1831 CHESTNUT ST ST LOUIS, MO 631032225 | $10K |
| MICHAEL CUMMINS CPA PC EIN 43-1555780 NONE | Accounting (including auditing) Service code 10 | — | $6K |
| HEALTLINK | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $0 |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | KANSAS CITY LIFE | 185 | $3K |
| Short-term disability | KANSAS CITY LIFE | 185 | $3K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE | 125 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.