| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | HEALTH CARE SERVICE CORPORATION (BCBS OF IL) | — | $14K | $14K | 2.43% |
| ALTERITY GROUP3 | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $9K | $24K | 8.04% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $440 | $15K | 5.15% |
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 | 1,277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 1,787 | $80K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,277 | $293K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,277 | $0 |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION (BCBS OF IL) | 2,730 | $556K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,277 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,730 | — |
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.