| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCLENNAN AGENCY, LLC DBA J. | 825 MARYVILLE CENTRE DRIVE SUITE 20 CHESTERFIELD, MO 63017 | HCC LIFE INSURANCE COMPANY | — | $4K | $4K | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COVENTRY HEALTH CARE OF MISSOURI EIN 43-1372307 INSURANCE | Insurance brokerage commissions and fees Service code 53 | 750 PRIDES CROSSING, SUITE 200 NEWARK, DE 19713 | $93K |
| J.W. TERRILL EIN 43-1834988 CONSULTANT | Claims processing Service code 12 | 825 MARYVILLE CENTRE DRIVE, SUITE 2 CHESTERFIELD, MO 63017 | $31K |
| HAMMOND & SHINNERS PC EIN 43-1429257 ATTORNEY | Legal Service code 29 | 13205 MANCHESTER RD, SUITE 210 ST LOUIS, MO 63131 | $14K |
| SCHEFFEL BOYLE EIN 37-1206530 ACCOUNTING/AUDIT | Accounting (including auditing) Service code 10 | 222 EAST MAIN STREET BELLEVILLE, IL 62220 | $13K |
| THE COMMERCE TRUST COMPANY INVESTMENT MANAGER | Investment management Service code 28 | 922 WALNUT STREET KANSAS CITY, MO 64106 | $12K |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 224 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.