| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 10.70% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | 8575 WEST 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 6.24% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 16.27% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC | 8630 DELMAR BOULEVARD, SUITE 100 ST. LOUIS, MO 63124 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 9.75% |
| 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 | $52 | — | $52 | 6.26% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | $1 | $26 | 3.13% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE DWIGHT | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 2.41% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | $3 | $59 | 12.72% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC | 8630 DELMAR BOULEVARD, SUITE 100 ST. LOUIS, MO 63124 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 5.82% |
| 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 | $27 | — | $27 | 5.82% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE DWIGHT | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 1.51% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC | 8630 DELMAR BOULEVARD, SUITE 100 ST. LOUIS, MO 63124 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 8.84% |
| 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 | $22 | — | $22 | 5.56% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE DWIGHT | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 1.52% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.51% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC | 8630 DELMAR BOULEVARD, SUITE 100 ST. LOUIS, MO 63124 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 12.83% |
| 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 | $21 | — | $21 | 5.50% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 1.57% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE DWIGHT | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.05% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.26% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC | 8630 DELMAR BOULEVARD, SUITE 100 ST. LOUIS, MO 63124 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 13.65% |
| 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 | $22 | — | $22 | 5.77% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | $1 | $18 | 4.72% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 1.31% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE DWIGHT | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.05% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC | 8630 DELMAR BOULEVARD, SUITE 100 ST. LOUIS, MO 63124 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 6.15% |
| 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 | $14 | — | $14 | 4.53% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 1.94% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE DWIGHT | 1200 EAST TAFT STREET SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLVATION EIN 26-1654987 ADMINISTRATOR | Contract Administrator Service code 13 | — | $21K |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $316K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 415 | $31K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $316K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $316K |
| Other(8 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.