| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $124K | $54K | $178K | 10.81% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | RELIASTAR LIFE INSURANCE COMPANY | $115K | — | $115K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 752012739 | RELIASTAR LIFE INSURANCE COMPANY | — | $57K | $57K | 5.00% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113K | — | $113K | 10.29% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC. | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59K | — | $59K | 5.39% |
| STAR ROBBINS3 | P.O. BOX 1007 LONDON, KY 407431007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 1.41% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $7K | $7K | 0.67% |
| VIZIENT INSURANCE SERVICES LLC3 Filed as: VIZIENT INC. | 75 REMITTANCE DRIVE, SUITE 1855 CHICAGO, IL 606751855 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 0.60% |
| ROBERT W. PATTON3 | P.O. BOX 1007 LONDON, KY 407431007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | — | $136 | 0.01% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD ST. COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 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 | 3,393 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,192 | $2.7M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,192 | $1.6M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 5,638 | $1.1M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,192 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,638 | — |
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.