| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $8K | $36K | 9.08% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $646 | $2K | 6.83% |
| BREHM GROUP INC3 | 400 HIGHWAY 169 SOUTH, SUITE 800 MINNEAPOLIS, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $980 | — | $980 | 6.97% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $215 | $2K | 16.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $420 | $881 | $1K | 14.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 1.84% |
| USI INSURANCE SERVICES LLC3 | 400 FIRST STREET SOUTH, SUITE 210 ST. CLOUD, MN 56301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 1.06% |
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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 247 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 706 | $401K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 706 | $421K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 706 | $401K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 706 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 706 | — |
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."
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.