| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL3 | 825 MARYVILLE CTR DR STE 200 CHESTERFIELD, MO 63141 | DELTA DENTAL | $7K | — | $7K | 10.00% |
| J.W. TERRILL3 | 825 MARYVILLE CTR DR STE 200 CHESTERFIELD, MO 63017 | THE UNION LABOR LIFE INSURANCE COMPANY | $708 | — | $708 | 15.91% |
| J.W. TERRILL | 825 MARYVILLE CTR DR STE 200 CHESTERFIELD, MO 63141 | THE UNION LABOR LIFE INSURANCE COMPANY | $23K | — | $23K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP ADMINISTRATORS | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | 953 AMERICAN LANE, SUITE 100 SCHAUMBURG, IL 60173 | $23K |
| LABOR FIRST, LLC EIN 06-1750191 | Insurance services Service code 23 | 1000 MIDLANDTIC DRIVE, SUITE 100 MOUNT LAUREL, NJ 08054 | $17K |
| GRABEL, SCHNIEDERS, HOLLMAN & CO PC EIN 43-1171178 | Accounting (including auditing) Service code 10 | 206 W. ARGONNE, SUITE 200 KIRKWOOD, MO 63122 | $7K |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ILLINOIS | 0 | $1.0M |
| Dental | DELTA DENTAL | 103 | $70K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 117 | $4K |
| Prescription drug | CITIZENS RX, LLC | 0 | $0 |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 100 | $0 |
| Other(2 contracts, 2 carriers) | LABOR FIRST | 94 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.