| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | DELTA DENTAL OF MISSOURI | $11K | — | $11K | 2.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE #1200 DALLAS, TX 75201 | DELTA DENTAL OF MISSOURI | -$3K | $2K | -$513 | -0.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 730054 DALLAS, TX 75373 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 5.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 3.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 1.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | ONE INTERNATIONAL PLACE, 16TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | -$4K | — | -$4K | -0.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 730054 DALLAS, TX 75373 | VISION SERVICE PLAN | $10K | — | $10K | 10.83% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $461 | $2K | 10.47% |
| OHIO ENROLLMENT SERVICES LLC3 Filed as: OHIO ENROLLMENT SERVICES, LLC | 4159 BRYSON COVE CIRCLE DUBLIN, OH 43016 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $530 | — | $530 | 2.28% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL, INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $267 | — | $267 | 1.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | PO BOX 730054 DALLAS, TX 75373 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 0.37% |
| BOWSER DORINDA K3 | 1937 N NAN AVENUE MARBLEHEAD, OH 43440 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 0.32% |
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 | 692 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 715 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,083 | $455K |
| Vision | VISION SERVICE PLAN | 540 | $95K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,054 | $447K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,054 | $447K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,054 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,083 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.