| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 825 MARYVILLE CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH NONE | Direct payment from the plan; Claims processing Service code 12 | 9201 WATSON RD ST. LOUIS, MO 63126 | $64K |
| J.W. TERRILL - MARSH & MCLENNAN NONE | Consulting (general); Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 825 MARYVILLE CENTRE DRIVE STE 200 ST. LOUIS, MO 63017 | $47K |
| ANDERS MINKLER HUBER HELM LLP EIN 43-0831507 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| HEALTH DYNAMICS NONE | Direct payment from the plan; Other services Service code 49 | 377 W RIVER WOODS PKWY 100 MILWAUKEE, WI 53212 | $21K |
| HAMMOND, SHINNER, TURCOTTE, LARREW NONE | Direct payment from the plan; Legal Service code 29 | 7730 CARONDELET AVE STE 200 ST. LOUIS, MO 631053326 | $6K |
| NEW DIRECTIONS BEHAVIORAL HEALTH NONE | Other services; Direct payment from the plan Service code 49 | 6100 SPRINT PKWY OVERLAND PARK, KS 66211 | $5K |
| SLGASS LTD NONE | Consulting (general); Accounting (including auditing) Service code 10 | 705 KENSINGTON PL OFALLON, IL 62269 | $5K |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 132 | $142K |
| Dental | DELTA DENTAL OF ILLINOIS | 153 | $8K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 132 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.