| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC | 825 MARYVILLE CENTRE DR SUITE 200 CHESTERFIELD, MO 63017 | HCC LIFE INSURANCE COMPANY | $58K | — | $58K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR SUITE 200 CHESTERFIELD, MO 63017 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 8.47% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INSURANCE GROUP | 721 EMERSON ROAD, STE 500 PO BOX 419151 SAINT LOUIS, MO 63141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $591 | — | $591 | 19.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ADMINISTRATION SYSTEMS, INC CONTRACT ADMINISTRATOR | Other fees; Contract Administrator; Claims processing; Plan Administrator Service code 12 | 17475 JOVANNA DR SUITE 1B HOMEWOOD, IL 60430 | $43K |
| HEALTHLINK, INC. EIN 43-1364135 PROVIDER NETWORK ADMIN | Plan Administrator Service code 14 | 1831 CHESTNUT STREET ST. LOUIS, MO 63103 | $16K |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $175K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $175K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $175K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $175K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $175K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 182 | $385K |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 182 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.