| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $294K | $0 | $294K | 3.26% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $61K | $0 | $61K | 5.48% |
| PAYCOR INC3 Filed as: PAYCOR, INC. | PO BOX 639860 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $0 | $31K | $31K | 2.79% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA CHICAGO, IL 60693 | DELTA DENTAL OF MISSOURI | $51K | $5K | $56K | 10.69% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $29K | $0 | $29K | 21.60% |
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 | 2,543 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 1,421 | $9.0M |
| Dental | DELTA DENTAL OF MISSOURI | 1,346 | $521K |
| Vision | STANDARD INSURANCE COMPANY | 1,971 | $1.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 1,971 | $1.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,971 | $1.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,971 | $1.1M |
| Prescription drug | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 1,421 | $9.0M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 2,543 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,543 | — |
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.