| 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 | — | $33 | $33 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CITIZENS RX, LLC EIN 27-2485135 CLAIMS MANAGEMENT | Claims processing Service code 12 | 1144 LAKE STREET OAK PARK, IL 60301 | $927K |
| MERITAIN HEALTH EIN 16-1264154 CLAIMS MANAGEMENT | Claims processing Service code 12 | 9201 WATSON ROAD ST. LOUIS, MO 63126 | $198K |
| EKON BENEFITS EIN 43-1317863 ADMINISTRATOR | Plan Administrator Service code 14 | 4940 WASHINGTON BLVD. ST. LOUIS, MO 63108 | $65K |
| SCHEFFEL BOYLE EIN 37-1206530 AUDIT | Accounting (including auditing) Service code 10 | 143 N. KANSAS ST. EDWARDSVILLE, IL 62025 | $42K |
| CAVANAGH & O'HARA EIN 37-1259635 LEGAL | Legal Service code 29 | 1609 NORTH ILLINOIS BELLEVILLE, IL 62226 | $33K |
| MONETARY MANAGEMENT EIN 43-1581414 INVESTMENT ADVISORY | Investment advisory (plan) Service code 27 | 13537 BARRETT PARKWAY ST. LOUIS, MO 63021 | $24K |
| MARSH & MCLENNAN EIN 26-3237576 CONSULTANT | Consulting (general) Service code 16 | 825 MARYVILLE CENTER DR CHESTERFIELD, MO 63017 | $21K |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 772 | $45K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 411 | $549K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 772 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.