| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN MCDANIEL3 | THREE CITY PLACE DRIVE SUITE 900 SAINT LOUIS, MO 63141 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $27K | — | $27K | 2.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DR STE 900 ST. LOUIS, MO 63141 | SELECTHEALTH | $14K | — | $14K | 4.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $57 | $2K | 2.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.51% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 N CLARK ST STE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $967 | $288 | $1K | 1.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 3.60% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.30% |
| KHI SOLUTIONS LLC3 | 130 N 25TH ST FORT DODGE, IA 50501 | UNITEDHEALTHCARE INSURANCE COMPANY | $315 | — | $315 | 0.41% |
| KINGSGATE SOLUTIONS LLC3 | 130 N 25TH ST FORT DODGE, IA 50501 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $134 | $134 | 0.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO LLC | PO BOX 505115 SAINT LOUIS, MO 63150 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $50 | $2K | 7.71% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $615 | — | $615 | 2.49% |
| KEVIN MCDANIEL3 | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.61% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN HARNEY | 353 N CLARK ST CHICAGO, IL 60654 | UNITED HERITAGE LIFE INSURANCE COMPANY | $427 | — | $427 | 2.39% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $78 | $2K | 13.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 505115 ST LOUIS, MO 63150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $148 | $1K | 9.72% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA PO BOX 505115 ST. LOUIS, MO 63150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $203 | $2K | 16.93% |
| SPTENER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST. LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $59 | $1K | 12.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO LLC | PO BOX 505115 SAINT LOUIS, MO 63150 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $564 | $10 | $574 | 10.98% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $220 | — | $220 | 4.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 505115 ST LOUIS, MO 63150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $547 | — | $547 | 14.70% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $253 | — | $253 | 6.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO LLC | PO BOX 505115 SAINT LOUIS, MO 63150 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $210 | $5 | $215 | 7.35% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $82 | — | $82 | 2.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO LLC | PO BOX 505115 SAINT LOUIS, MO 63150 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $134 | $3 | $137 | 7.29% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $54 | — | $54 | 2.87% |
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 | 259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 273 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $101K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 115 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $27K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 38 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $5K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.