| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR, SUITE 900 SAINT LOUIS, MO 63141 | UNITED HEALTHCARE INSURANCE COMPANY | -$5K | $55K | $51K | 3.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR., SUITE 900 SAINT LOUIS, MO 631417088 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $9K | $9K | 0.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 3600 NORTH CAPITAL OF TEXAS HWY SUITE 200B AUSTIN, TX 78746 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INS. BROKERS LLC | PO BOX 741738 ATLANTA, GA 303741738 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 17.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | PO BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 3.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1715 AARON BRENNER DR STE 512 MEMPHIS, TN 38120 | DELTA DENTAL OF ILLINOIS | $4K | $0 | $4K | 5.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 SAINT LOUIS, MO 631505115 | VISION SERVICE PLAN | $804 | $0 | $804 | 5.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DR CHICAGO, IL 606930159 | VISION SERVICE PLAN | $41 | $0 | $41 | 0.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 101 PARK AVE, 12TH FLOOR NEW YORK, NY 10016 | VISION SERVICE PLAN | $40 | $0 | $40 | 0.29% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 273 | $1.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 152 | $78K |
| Vision | VISION SERVICE PLAN | 125 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 226 | $84K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 226 | $84K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 226 | $84K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 273 | $1.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 226 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.