| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC5 Filed as: JW TERRILL MARSH & MCLENNAN AGENCY | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | THE UNION LABOR LIFE INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| LABOR FIRST LLC3 | 3000 MID ATLANTIC DR SUITE 101 MOUNT LAUREL, NJ 085041513 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 12.58% |
| LABOR FIRST LLC3 Filed as: LABOR FIRST | 3000 MIDLANTIC DRIVE SUITE 101 MOUNT LAUREL, NJ 085041513 | HUMANA INSURANCE COMPANY | $18K | — | $18K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UA LOCAL 551 EIN 37-0654835 LOCAL UNION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 15 | — | $93K |
| JW TERRILL EIN 43-1526995 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $10K |
| 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 | $5K |
| HEALTHLINK, INC. CERTAIN PARTICIPAT | 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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA INSURANCE COMPANY | 54 | $14K |
| Short-term disability | AMERICAN INCOME LIFE INSURANCE COMPANY | 112 | $0 |
| Prescription drug | HUMANA INSURANCE COMPANY | 54 | $0 |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 112 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.