| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $132K | $25K | $157K | 9.10% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | RELIASTAR LIFE INSURANCE COMPANY | $89K | — | $89K | 10.35% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | — | $43K | $43K | 5.00% |
| STAR ROBBINS3 | P.O. BOX 1007 LONDON, KY 407431007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | — | $25K | 6.16% |
| VIZIENT INSURANCE SERVICES LLC3 Filed as: VIZIENT INS. SERVICES LLC | 290 E. JOHN CARPENTER FREEWAY IRVING, TX 75062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 2.60% |
| ROBERT W. PATTON3 | P.O. BOX 1007 LONDON, KY 407431007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $200 | — | $200 | 0.05% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC. | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
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 | 3,183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,183 | $2.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,183 | $1.7M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 5,369 | $858K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,183 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,369 | — |
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.