| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC | 2406 NASSAU ROAD CINNAMINSON, NJ 08077 | AETNA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| J.W. TERRILL EIN 43-1254191 NONE | Contract Administrator Service code 13 | 825 MARYVILLE CENTER DRIV CHESTERFIELD, MO 63017 | $117K |
| MERITAIN HEALTH EIN 16-1264154 CLAIMS MANAGEMENT | Other services Service code 49 | 9201 WATSON ROAD ST. LOUIS, MO 63126 | $68K |
| CAVANAGH & O'HARA EIN 37-1259635 NONE | Legal Service code 29 | 2319 WEST JEFFERSON ST SPRINGFIELD, IL 62702 | $31K |
| UMB BANK EIN 43-1357092 NONE | Investment advisory (plan) Service code 27 | 1010 GRAND BLVD. KANSAS CITY, MO 64106 | $14K |
| VOELLINGER, SIMPSON, DOLAN EIN 37-1309334 NONE | Accounting (including auditing) Service code 10 | 4010 NORTH ILLINOIS BELLEVILLE, IL 62226 | $8K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Actuarial Service code 11 | 101 NORTH WACKER DRIVE CHICAGO, IL 60606 | $7K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Employee (plan) Service code 30 | 180 NORTH LA SALLE STREET CHICAGO, IL 60601 | $5K |
| WARMA WITTER KREISLER & ASSOC, INC. EIN 37-1002275 NONE | Insurance agents and brokers Service code 22 | 109 WEST FIRST STREET OFALLON, IL 62294 | $609 |
| MEDTRAK LLC EIN 36-4221427 NONE | Other services Service code 49 | 7101 COLLEGE BLVD. OVERLAND PARK, KS 66210 | $446 |
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 | 161 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 206 | $15K |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 168 | $163K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 168 | $163K |
| Other | THE UNION LABOR LIFE INSURANCE CO. | 168 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.