| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $24K | — | $24K | 2.74% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | SELECTHEALTH | $11K | — | $11K | 3.72% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $52 | $4K | 3.63% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.47% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 17.01% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | 8630 DELMAR AVENUE, SUITE 100 ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $127 | $3K | 5.24% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $180 | $2K | 27.15% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES INC. | 8630 DELMAR AVENUE, SUITE 100 ST. LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $54 | $1K | 20.56% |
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 | 213 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 241 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $99K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 82 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 213 | $55K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 213 | $61K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 213 | $55K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 213 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
No prospect flags tripped on this filing.