| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 ST LOUIS, MO 631505115 | HARTFORD LIFE AND ACCIDENT | $30K | $14K | $45K | 10.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 ST LOUIS, MO 631505115 | HARTFORD LIFE AND ACCIDENT | — | $25K | $25K | 5.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 7818 BIG SKY DRIVE, SUITE 112 MADISON, WI 53719 | HARTFORD LIFE AND ACCIDENT | $104 | $0 | $104 | 0.02% |
| MCCLURE FNCL GROUP INC3 Filed as: MCCLURE BENEFITS CORPORATION | 1807 S NEIL ST CHAMPAIGN, IL 61820 | HARTFORD LIFE AND ACCIDENT | $42 | — | $42 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 ST LOUIS, MO 631505115 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 6.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 ST LOUIS, MO 631505115 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA, INC. | PO BOX 203991 DALLAS, TX 753203991 | VISION SERVICE PLAN | $3K | — | $3K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 ST LOUIS, MO 631505115 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
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 | 841 | 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) | 841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 569 | $57K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 807 | $274K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 446 | $438K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 309 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.