| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| J.W. TERRILL Filed as: JW TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNITED HEALTHCARE OF THE MIDWEST, INC. | $15K | — | $15K | 80.54% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $636 | — | $636 | 11.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Direct payment from the plan; Float revenue; Other services; Contract Administrator; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | — | $104K |
| J. W. TERRILL EIN 43-1526995 NONE | Insurance brokerage commissions and fees Service code 53 | — | $95K |
| TAMMY WESTHUES EIN 43-1178602 EMPLOYEE | Plan Administrator Service code 14 | — | $68K |
| SCHUCHAT, COOK & WERNER EIN 43-0763010 NONE | Legal Service code 29 | — | $46K |
| PURK & ASSOCIATES, P.C. EIN 26-4532849 NONE | Accounting (including auditing) Service code 10 | — | $20K |
| CAROLYN REGHAGEN EIN 43-1178602 EMPLOYEE | Plan Administrator Service code 14 | — | $16K |
| PENSION ADMINISTRATORS AND CONSULTA NONE | Consulting (pension) Service code 17 | 1544 WOODLAKE DR CHESTERFIELD, MO 63017 | $13K |
| BONAN PROPERTIES NONE | Other services Service code 49 | 14323 S OUTER 40 RD CHESTERFIELD, MO 63017 | $13K |
| AXIOM RE, L.P. DBA IPC EIN 59-2926768 NONE | Consulting fees Service code 70 | — | $11K |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 258 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 345 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 241 | $14K |
| Prescription drug(3 contracts, 3 carriers) | UNITED HEALTHCARE OF THE MIDWEST, INC. | 166 | $25K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 253 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.