| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $11K | $11K | 0.47% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $43 | $18K | 9.93% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.40% |
| TEDRICK EMPLOYEE BENEFITS INC3 Filed as: TEDRICK EMPLOYEE BENEFITS INC. | P.O. BOX 983 MOUNT VERNON, IL 62864 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 11.73% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $485 | $5K | 10.18% |
| RICHARD C LANDMANN3 Filed as: RICHARD C. LANDMANN | 14823 CONWAY ROAD CHESTERFIELD, MO 63017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $815 | — | $815 | 3.71% |
| LAWRENCE A SCHRADER3 Filed as: LAWRENCE A. SCHRADER | 5631 CHALET FOREST DRIVE ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $726 | $39 | $765 | 3.48% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $436 | $78 | $514 | 2.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, LLC | 308 N. 21ST STREET ST. LOUIS, MO 63103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | — | $231 | 1.05% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 16091 SWINGLEY RIDGE ROAD CHESTERFIELD, MO 63005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.64% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTRY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $19 | $113 | 0.51% |
| CROWN WEALTH MANAGEMENT INC3 Filed as: CROWN WEALTH MANAGEMENT, INC. | 11163 SOUTH TOWNE SQUARE ST. LOUIS, MO 63123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $21 | $85 | 0.39% |
| RICHARD D SCHOOLEY3 Filed as: RICHARD D. SCHOOLEY | 563 BALLAS PARK DRIVE ST. LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.35% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 549 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 732 | $179K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 229 | $82K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 229 | $104K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 31 | $22K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 227 | $67K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 229 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 732 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.