| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC | 825 MARYVILLE CENTRE DR, STE 200 SUITE 200 CHESTERFIELD, MO 63017 | ZURICH NORTH AMERICAN INSURANCE COMPANY | $58K | — | $58K | 13.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR SUITE 200 CHESTERFIELD, MO 63017 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 8.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 825 MARYVILLE CENTRE DRIVE, STE 200 PO BOX 419151 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $469 | — | $469 | 16.13% |
| 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 | $112 | — | $112 | 3.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $60K |
| HEALTHLINK, INC. EIN 43-1364135 PROVIDER NETWORK ADMIN | Plan Administrator Service code 14 | 1831 CHESTNUT STREET ST. LOUIS, MO 63103 | $4K |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 318 | $172K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 318 | $172K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 318 | $172K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 318 | $172K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 318 | $172K |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICAN INSURANCE COMPANY | 168 | $420K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.