| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $8K | $1K | $10K | 5.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR. STE 900 SAINT LOUIS, MO 631417088 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.53% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. M, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $12K | $1K | $13K | 16.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - ST. LOUIS, MO | 15939 COLLECTONS CENTER DR. 15939 COLLECTONS CENTER DR CHICAGO, IL 60693 | EYE MED VISION CARE | $2K | $0 | $2K | 11.94% |
| SUNSTAR INSURANCE GROUP LLC3 | DBA CERTIFIED PROCESS 3636 SOUTH GEYER RD. SUITE 110 SAINT LOUIS, MO 63127 | EYE MED VISION CARE | $2K | $0 | $2K | 11.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCY BENEFIT ADMINISTRATORS, LLC EIN 47-2761435 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $77K |
| HEALTHLINC, INC. EIN 43-1364135 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $19K |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 204 | $166K |
| Vision | EYE MED VISION CARE | 204 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 276 | $80K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 277 | $116K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 277 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.