| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC0 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | HCC LIFE INSURANCE COMPANY | $7K | — | $7K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 N/A | Plan Administrator; Claims processing; Insurance brokerage commissions and fees Service code 12 | 9201 WATSON ROAD ST. LOUIS, MO 63126 | $136K |
| JW TERRILL N/A | Consulting (general) Service code 16 | 825 MARYVILLE CENTER DRIVE, SUITE 2 ST LOUIS, MO 63017 | $29K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 N/A | Accounting (including auditing) Service code 10 | 566 W. LAKE ST. SUITE 300 CHICAGO, IL 60661 | $26K |
| SHEET METAL WORKERS 218 UNION EIN 37-1220876 AFFILIATED LOCAL OF PLAN | Contract Administrator Service code 13 | 2855 VIA VERDE SPRINGFIELD, IL 62703 | $18K |
| CAVANAGH & O'HARA EIN 37-1259635 N/A | Legal Service code 29 | 407 EAST ADAMS ST. SPRINGFIELD, IL 62705 | $17K |
| MANNING & NAPIER EIN 16-0995736 N/A | Investment management Service code 28 | 550 W. FRONTAGE RD. SUITE 3769 NORTHFIELD, IL 60093 | $15K |
| SEGAL COMPANY EIN 13-1975125 N/A | Actuarial Service code 11 | 101 N. WACKER DRIVE SUITE 500 CHICAGO, IL 60606 | $13K |
| ILLINOIS NATIONAL BANK EIN 37-0274319 N/A | Custodial (other than securities) Service code 18 | 322 E. CAPITOL SPRINGFIELD, IL 62701 | $9K |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 328 | $13K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 328 | $13K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 427 | $249K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 328 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.