| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSHA & MCLENNAN AGENCY, LLC | 825 MARYVILLE CENTRE DRIVE, SUITE 200 CHESTERFIELD, MO 63017 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SMART LOCAL UNION NO. 36 PENSION EIN 43-0727853 RELATED FUND | Contract Administrator Service code 13 | 2319 CHOUTEAU AVE. 300 ST LOUIS, MO 63103 | $925K |
| COVENTRY HEALTH CARE, INC. EIN 75-1269086 NONE | Claims processing Service code 12 | 6720-B ROCKLIDGE DR SUITE BETHESDA, MD 20817 | $625K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 12399 GRAVIOS RD. ST. LOUIS, MO 63127 | $72K |
| SCHUCHAT, COOK, & WERNER EIN 43-0763010 NONE | Legal Service code 29 | 1221 LOCUST ST, SUITE 250 ST. LOUIS, MO 63103 | $50K |
| JW TERRILL EIN 43-1526995 NONE | Consulting (general) Service code 16 | 825 MARYVILLE CENTRE DR. ST LOUIS, MO 63141 | $49K |
| ROCKWOOD CAPITAL INVESTORS EIN 43-1775815 INVESTMENT MANAGEMENT | Investment management Service code 28 | 721 EMERSON RD. ST LOUIS, MO 63141 | $38K |
| E4 HEALTH, INC. EIN 45-3341045 NONE | Other services Service code 49 | 105 DECKER CT, SUITE 475 IRVING, TX 75062 | $36K |
| CONNER ASH. P.C. EIN 43-1012822 NONE | Accounting (including auditing) Service code 10 | 12101 WOODCREEST EXEC. DR ST LOUIS, MO 63141 | $35K |
| PEOPLE RESOURCES INC. EIN 45-3341045 NONE | Other services Service code 49 | 9666 OLIVE BLVD. SUITE ST LOUIS, MO 63132 | $33K |
| BYRNE SOFTWARE TECHNOLOGIES EIN 43-1853340 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 16091 SWINGLEY RIDGE RD. CHESTERFIELD, MO 63017 | $32K |
| MUELLER PROST, LC EIN 43-1594752 NONE | Accounting (including auditing) Service code 10 | 7733 FORSYTH BLVD, SUITE ST LOUIS, MO 63105 | $25K |
| LIFE LINE SCREENING EIN 34-1839775 NONE | Other fees Service code 99 | 901 S. MOPAC EXPRESSWAY2 AUSTIN, TX 78746 | $23K |
| SYSTEM DESIGN ASSOCIATES EIN 43-1228887 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 3760 S. LINDBERGH, SUITE ST LOUIS, MO 63127 | $14K |
| US BANK TRUST SERVICES EIN 31-0841368 CUSTODIAL AGENT | Custodial (securities) Service code 19 | CM - 9703 ST. PAUL, MN 55170 | $14K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan) Service code 27 | 180 N. LA SALLE ST, SUITE CHICAGO, IL 60601 | $13K |
| EKON BENEFITS EIN 43-1317863 NONE | Actuarial Service code 11 | 4940 WASHINGTON BLVD. ST LOUIS, MO 63108 | $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 | 1,479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 796 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 676 | $1.8M |
| Life insurance | ATHENA LIFE INSURANCE COMPANY | 2,347 | $67K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,656 | $187K |
| Other | ATHENA LIFE INSURANCE COMPANY | 2,347 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,347 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.