| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | SUITE 1200 2100 ROSS AVENUE DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST. LOUIS | C/O BANK OF AMERICA 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.47% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES INC. | 8630 DELMAR AVENUE STE 100 ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.47% |
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 | 921 | 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) | 921 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 878 | $499K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE | 1,418 | $81K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 930 | $486K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 930 | $486K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 930 | $554K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,418 | — |
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."
No prospect flags tripped on this filing.