| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DELTA DENTAL OF MISSOURI | $9K | $2K | $11K | 2.71% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $22K | $22K | 5.52% |
| LOCKTON COMPANIES, LLC3 | ONE INTERNATIONAL PLACE, 16TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 4.76% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $7K | — | $7K | 6.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 730054 DALLAS, TX 75373 | VISION SERVICE PLAN | $3K | — | $3K | 3.29% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $604 | $3K | 11.09% |
| OHIO ENROLLMENT SERVICES LLC3 Filed as: OHIO ENROLLMENT SERVICES, LLC | 4159 BRYSON COVE CIRCLE DUBLIN, OH 43016 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $606 | — | $606 | 2.31% |
| BOWSER DORINDA K3 | 1937 N NAN AVENUE MARBLEHEAD, OH 43440 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $330 | — | $330 | 1.26% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $291 | — | $291 | 1.11% |
No Schedule C service providers reported on this filing.
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 | 722 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,161 | $412K |
| Vision | VISION SERVICE PLAN | 564 | $100K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,099 | $398K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,099 | $398K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,099 | $439K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,161 | — |
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.