| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC(MMA) | 825 MARYVILLE CENTRE DR, SUITE 200 CHESTERFIELD, MO 63017 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $20K | $0 | $20K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COVENTRY HEALTH CARE OF MISSOURI EIN 43-1372307 NONE | Claims processing; Direct payment from the plan Service code 12 | 550 MARYVILLE CENTRE DRIVE SUITE 300 ST. LOUIS, ME 63141 | $53K |
| J.W. TERRILL EIN 43-1834988 NONE | Claims processing; Consulting (general); Direct payment from the plan; Contract Administrator Service code 12 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | $35K |
| EKON BENEFITS EIN 43-1317863 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Actuarial; Direct payment from the plan Service code 11 | 4940 WASHINGTON BLVD ST. LOUIS, MO 63108 | $28K |
| REGIONS MORGAN KEEGAN TRUST EIN 63-0371391 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Investment management Service code 15 | 8182 MARYLAND AVENUE 12TH FLOOR ST. LOUIS, MO 63105 | $19K |
| MENGWASSER MARTIN LALL & CLARK PC EIN 43-1564913 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 12647 OLIVE BLVD SUITE 120 ST. LOUIS, MO 63141 | $16K |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 239 | $2K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 120 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.