No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COVENTRY HEALTH CARE OF MISSOURI EIN 43-1372307 INSURANCE | Insurance brokerage commissions and fees Service code 53 | — | $106K |
| J.W. TERRILL EIN 43-1834988 BENEFITS/CLAIM PROCESSING | Claims processing Service code 12 | 825 MARYVILLE CENTRE DRIVE, SUITE 2 CHESTERFIELD, MO 63017 | $64K |
| HAMMOND & SHINNERS PC EIN 43-1429257 ATTORNEY | Legal Service code 29 | — | $19K |
| THE COMMERCE TRUST COMPANY INVESTMENT MANAGER | Investment management Service code 28 | 922 WALNUT STREET KANSAS CITY, MO 64106 | $11K |
| SCHEFFEL BOYLE EIN 37-1206530 ACCOUNTING/AUDIT | Accounting (including auditing) Service code 10 | — | $10K |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 234 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.