| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | METLIFE INSURANCE COMPANY | $296K | $0 | $296K | 10.61% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | METLIFE INSURANCE COMPANY | $86K | $0 | $86K | 3.07% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $110K | $110K | 4.00% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $74K | $0 | $74K | 5.75% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN AND ASSOCIATES LLC | 120 MARGUERITE DRIVE, SUITE 100 CRANBERRY TOWNSHIP, PA 16066 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53K | $0 | $53K | 4.15% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $51K | $51K | 4.00% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | METLIFE LEGAL PLANS | $24K | $71 | $24K | 10.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 1.20% |
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 | 10,554 | 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) | 10,554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,236 | $24.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,236 | $22.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | 6,121 | $737K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,891 | $2.8M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,891 | $2.8M |
| Prescription drug | PROCARERX | 4,183 | $112K |
| Other(5 contracts, 5 carriers) | METLIFE INSURANCE COMPANY | 10,554 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,554 | — |
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.