| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | TOKIO MARINE HCC | $36K | $16K | $53K | 14.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 631505115 | RELIANCE STANDARD | $9K | — | $9K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 631505115 | RELIANCE STANDARD | $9K | — | $9K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 631505115 | RELIANCE STANDARD | $2K | — | $2K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 631417088 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| CLJM LLC3 Filed as: CLJM, LLC | 8235 FORSYTH, STE. 1200 CLAYTON, MO 631051643 | UNITED HEALTHCARE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 631505115 | THE HARTFORD | $2K | — | $2K | 8.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 631505115 | RELIANCE STANDARD | $335 | — | $335 | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 631505115 | HARTFORD LIFE AND ACCIDENT | $18 | — | $18 | 3.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | DELTA DENTAL OF MISSOURI | $13K | — | $13K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 13655 RIVERPORT DRIVE MARYLAND HEIGHTS, MO 63043 | $394K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | 12399 GRAVOIS ST. LOUIS, MO 63127 | $49K |
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 | 487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 7 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 865 | $39K |
| Dental | DELTA DENTAL OF MISSOURI | 869 | $0 |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 865 | $39K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD | 488 | $189K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 487 | $110K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 410 | $363K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD | 488 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 869 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.