| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH&MCLENNAN AGNCY DBA JW TERRILL | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COVENTRY EIN 43-1372307 NONE | Contract Administrator; Claims processing Service code 12 | — | $611K |
| MARY BETH CYLIAX EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $111K |
| FRANCES WAGNER EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $96K |
| DIANE ROSSO EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $96K |
| LYNNE SCHREIBER EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $93K |
| JUDITH MITCHELL EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $84K |
| SCHUCAT, COOK & WERNER EIN 43-0763010 NONE | Legal Service code 29 | — | $78K |
| GINA BUFFA EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $74K |
| CYNTHIA FOSTER EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $73K |
| E4 HEALTH INC. NONE | Other services Service code 49 | 105 DECKER COURT, SUITE 475 IRVING, TX 75062 | $71K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Claims processing; Contract Administrator Service code 12 | — | $65K |
| CONNER ASH PC EIN 43-1012822 NONE | Accounting (including auditing) Service code 10 | — | $61K |
| SDA, INCORPORATED EIN 43-1228887 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $61K |
| PATRICIA WARREN EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $60K |
| JOANNA HAM EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| J.W. TERRILL EIN 43-1526995 NONE | Insurance services; Consulting (general) Service code 16 | — | $55K |
| JULIE HAMPTON EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $52K |
| BUFFI GASS EIN 43-0681778 EMPLOYEE | Employee (plan); Non-monetary compensation; Plan Administrator Service code 14 | — | $46K |
| ROCKWOOD CAPITAL ADVISORS EIN 43-1775815 NONE | Investment management Service code 28 | — | $44K |
| JULIE KOONTZ EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $42K |
| BYRNE SOFTWARE TECHNOLOGIES INC EIN 43-1853340 NONE | Other services Service code 49 | — | $37K |
| AMY JO WOOD EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $34K |
| MUELLER PROST LC EIN 43-1594752 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| PHARMACY OUTCOME SPECIALISTS EIN 36-4103243 NONE | Consulting (general) Service code 16 | — | $25K |
| U.S. BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Float revenue; Soft dollars commissions; Custodial (securities); Investment management fees paid indirectly by plan Service code 19 | — | $17K |
| WEB CONNECTIVITY LLC EIN 35-2070190 NONE | Other services Service code 49 | — | $16K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan) Service code 27 | — | $13K |
| NETTECH, INC. EIN 43-1712583 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $11K |
| EKON BENEFITS EIN 43-1317863 NONE | Actuarial Service code 11 | — | $9K |
| GFI DIGITAL, INC. EIN 43-1850567 NONE | Other services Service code 49 | — | $6K |
| LDI EIN 81-3741657 NONE | Claims processing; Contract Administrator Service code 12 | — | $5K |
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 | 1,364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 191 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 688 | $1.8M |
| Life insurance | AETNA LIFE INSURANCE CO. | 2,422 | $70K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,688 | $221K |
| Other | AETNA LIFE INSURANCE CO. | 2,422 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,422 | — |
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.