| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $22K | $22K | 1.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 505115 ST. LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $3K | $7K | 11.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | DELTA DENTAL OF MISSOURI | $2K | — | $2K | 4.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 505115 ST. LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 12.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 505115 ST. LOUIS, MO 63150 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 505115 ST. LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $526 | $318 | $844 | 11.64% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $979 | — | $979 | 19.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - ST. LOUIS | THREE CITY PLACE DRIVE ST. LOUIS, MO 63141 | FEDERAL INSURANCE COMPANY | $735 | — | $735 | 15.01% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.8M |
| Dental | DELTA DENTAL OF MISSOURI | 242 | $49K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 197 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $62K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $22K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.