| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: J W TERRILL BENEFIT SERVICES INC. | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $583 | — | $583 | 2.70% |
| J.W. TERRILL Filed as: JW TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DR STE 200 ST. LOUIS, MO 63017 | UNITED HEALTHCARE OF THE MIDWEST, INC. | — | $16K | $16K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Insurance agents and brokers Service code 22 | — | $330K |
| J. W. TERRILL EIN 43-1526995 NONE | Insurance brokerage commissions and fees Service code 53 | — | $108K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Non-monetary compensation; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $106K |
| TAMMY WESTHUES EIN 43-1178602 EMPLOYEE | Plan Administrator Service code 14 | — | $69K |
| CAROLYN REGHAGEN EIN 43-1178602 EMPLOYEE | Plan Administrator Service code 14 | — | $27K |
| SCHUCHAT, COOK & WERNER EIN 43-0763010 NONE | Legal Service code 29 | — | $17K |
| HOCHSCHILD, BLOOM & CO. EIN 43-0673920 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| AXIOM RE, L.P. DBA IPC EIN 59-2926768 NONE | Consulting fees Service code 70 | — | $13K |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 316 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 449 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 287 | $16K |
| Prescription drug(3 contracts, 3 carriers) | EXPRESS SCRIPTS | 177 | $583K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 328 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.