| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CTR DR, STE 200 CHESTERFIELD, MO 63017 | THE UNION LABOR LIFE INSURANCE COMPANY | $27K | — | $27K | 10.00% |
| 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 | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CITIZEN'S RX EIN 27-2485135 NONE | Insurance services Service code 23 | 1144 LAKE STREET OAK PARK, IL 60301 | $146K |
| GROUP ADMINISTRATORS EIN 36-3381052 NONE | Claims processing Service code 12 | 20 NORTH MARTINGALE RD, STE 290 SCHAUMBURG, IL 60173 | $28K |
| LABOR FIRST, LLC EIN 06-1750191 NONE | 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 | $8K |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF ILLINOIS | 267 | $1.6M |
| Dental | DELTA DENTAL | 108 | $74K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 0 | $4K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 102 | $265K |
| Other(2 contracts, 2 carriers) | SIERRA HEALTH & LIFE INSURANCE COMPANY | 40 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.