| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | DEAN HEALTH PLAN INC. | $11K | — | $11K | 0.74% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34K | $59K | $93K | 7.05% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $29K | — | $29K | 4.82% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $29 | $3K | 13.75% |
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 | 2,509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | DEAN HEALTH PLAN INC. | 332 | $2.9M |
| Dental | DELTA DENTAL OF WISCONSIN | 2,197 | $1.5M |
| Vision | WYSSTA INSURANCE COMPANY INC. | 1,895 | $245K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,510 | $1.3M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,510 | $1.3M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,510 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,510 | — |
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.