| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL-MARSH & MCLENNAN AGENCY | 825 MARYVILLE CENTRE DR, SUITE 200 CHESTERFIELD, MO 63017 | THE UNION LABOR LIFE INSURANCE COMPANY | $33K | $0 | $33K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CITIZENS RX LLC EIN 27-2485135 NONE | Claims processing; Direct payment from the plan Service code 12 | 1144 LAKE STREET OAK PARK, IA 60301 | $569K |
| MERITAIN HEALTH EIN 16-1264154 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $229K |
| STEAMFITTERS LOCAL 439 UNION | Direct payment from the plan; Participant communication; Employee (plan) Service code 30 | 1220 DONALD BAILEY DR. CASEYVILLE, IL 62232 | $35K |
| 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 | $34K |
| MARSH & MCLENNAN AGENCY EIN 26-3237576 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | $33K |
| 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 | $24K |
| 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 | $21K |
| US BANK EIN 31-0841368 NONE | Custodial (securities); Investment management; Direct payment from the plan Service code 19 | 505 NORTH 7TH STREET 10TH FLOOR ST. LOUIS, MO 63101 | $21K |
| 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 | $20K |
| BUFFI GASS NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 303 EMILY DR. OFALLON, IL 62269 | $6K |
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 | 92 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 198 | $25K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 209 | $4K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 136 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.