| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $34 | $34 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CITIZENS RX, LLC EIN 27-2485135 CLAIMS MANAGEMENT | Claims processing Service code 12 | 1144 LAKE STREET OAK PARK, IL 60301 | $1.0M |
| MERITAIN HEALTH EIN 16-1264154 CLAIMS MANAGEMENT | Claims processing Service code 12 | 9201 WATSON ROAD ST. LOUIS, MO 63126 | $295K |
| EKON BENEFITS EIN 43-1317863 ADMINISTRATOR | Plan Administrator Service code 14 | 4940 WASHINGTON BLVD. ST. LOUIS, MO 63108 | $46K |
| MARSH & MCLENNAN EIN 26-3237576 CONSULTANT | Consulting (general) Service code 16 | 825 MARYVILLE CENTER DR CHESTERFIELD, MO 63017 | $23K |
| CAVANAGH & O'HARA EIN 37-1259635 LEGAL | Legal Service code 29 | 1609 NORTH ILLINOIS BELLEVILLE, IL 62226 | $16K |
| MONETARY MANAGEMENT EIN 43-1581414 INVESTMENT ADVISORY | Investment advisory (plan) Service code 27 | 13537 BARRETT PARKWAY ST. LOUIS, MO 63021 | $16K |
| COMMERCE BANK EIN 48-0962626 CUSTODIAN | Custodial (securities); Securities brokerage; Shareholder servicing fees Service code 19 | 922 WALNUT STREET KANSAS CITY, MO 64106 | $4K |
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 | 344 | 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) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 814 | $45K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 419 | $558K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 814 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.