| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL3 Filed as: JW TERRILL | 825 MARYVILLE CENTRE DR, SUITE 200 CHESTERFIELD, MO 63017 | THE UNION LABOR LIFE INSURANCE COMPANY | $24K | $0 | $24K | 9.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $110K |
| EKON BENEFITS EIN 43-1317863 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Actuarial Service code 11 | 4940 WASHINGTON BLVD ST. LOUIS, MO 63108 | $28K |
| REGIONS MORGAN KEEGAN TRUST EIN 63-0371391 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment management Service code 15 | 8182 MARYLAND AVENUE 12TH FLOOR ST. LOUIS, MO 63105 | $26K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 800 MARKET STREET SUITE 500 ST. LOUIS, MO 63101 | $21K |
| STEAMFITTERS LOCAL 439 UNION | Participant communication; Direct payment from the plan; Employee (plan) Service code 30 | 1220 DONALD BAILEY DR. CASEYVILLE, IL 62232 | $19K |
| J.W. TERRILL EIN 43-1526995 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | $17K |
| MENGWASSER MARTIN LALL & CLARK P.C. EIN 43-1564913 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 12647 OLIVE BLVD. SUITE 120 ST. LOUIS, MO 631416345 | $8K |
| HAMMOND AND SHINNERS, P.C. EIN 43-1429257 NONE | Legal; Direct payment from the plan Service code 29 | 13205 MANCHESTER RD. DES PERES, MO 63131 | $7K |
| H&H HEALTH ASSOCIATES EIN 43-1710299 NONE | Direct payment from the plan; Other services Service code 49 | 3660 SOUTH GEYER ROAD SUITE 100, LAUMEIER III ST. LOUIS, MO 63127 | $6K |
| SHARON GASS EIN 82-5292148 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 164 | $18K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 180 | $4K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 116 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.