| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $5K | $27K | 8.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 10 S WACKER DRIVE CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $60 | $2K | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $410 | $410 | 0.13% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 11.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 10 SOUTH WACKER, 17TH FLOOR CHICAGO, IL 60606 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $675 | — | $675 | 2.29% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC | 8630 DELMAR BOULEVARD, SUITE 100 ST. LOUIS, MO 63124 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 12.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES NATIONAL INC | 10 SOUTH WACKER DRIVE, SUITE 1700 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $525 | — | $525 | 6.26% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $246 | — | $246 | 2.93% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.18% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC | 8630 DELMAR BOULEVARD, SUITE 100 ST. LOUIS, MO 63124 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 14.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES NATIONAL INC | 10 SOUTH WACKER DRIVE, SUITE 1700 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $439 | — | $439 | 5.59% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 1.64% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 1.30% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.14% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC | 8630 DELMAR BOULEVARD, SUITE 100 ST. LOUIS, MO 63124 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $993 | — | $993 | 14.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES NATIONAL INC | 10 SOUTH WACKER DRIVE, SUITE 1700 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $411 | — | $411 | 5.95% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 1.58% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PLACE | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 1.26% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.39% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC | 8630 DELMAR BOULEVARD, SUITE 100 ST. LOUIS, MO 63124 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $571 | — | $571 | 9.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES NATIONAL INC | 10 SOUTH WACKER DRIVE, SUITE 1700 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $286 | — | $286 | 4.56% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113 | — | $113 | 1.80% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 1.42% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC | 8630 DELMAR BOULEVARD, SUITE 100 ST. LOUIS, MO 63124 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $668 | — | $668 | 16.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES NATIONAL INC | 10 SOUTH WACKER DRIVE, SUITE 1700 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $252 | — | $252 | 6.07% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | — | $92 | 2.22% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC | 8630 DELMAR BOULEVARD, SUITE 100 ST. LOUIS, MO 63124 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $626 | — | $626 | 17.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES NATIONAL INC | 10 SOUTH WACKER DRIVE, SUITE 1700 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $215 | — | $215 | 5.88% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 2.19% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLVATION EIN 26-1654987 ADMINISTRATOR | Contract Administrator Service code 13 | — | $24K |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 764 | $315K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 500 | $30K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 764 | $315K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 764 | $315K |
| Other(8 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 764 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 764 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.