| 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 | HCC LIFE INSURANCE COMPANY | $37K | $17K | $53K | 14.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 631505115 | RELIANCE STANDARD | $9K | $1K | $10K | 11.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 631505115 | RELIANCE STANDARD | $9K | $1K | $10K | 11.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 631505115 | RELIANCE STANDARD | $3K | $999 | $4K | 4.17% |
| HOLLABAUGH, MARC, ALAN3 | 6701 W 64TH STREET STE. 312 OVERLAND PARK, KS 66202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $267 | $5K | 11.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 63150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $307 | $3K | 6.45% |
| MIDWEST INSURANCE GROUP3 Filed as: MIDWEST INSURANCE GROUP INC. | PO BOX 220279 SAINT LOUIS, MO 63122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $674 | — | $674 | 1.57% |
| 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% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 631505115 | RELIANCE STANDARD | $326 | $140 | $466 | 4.29% |
| HOLLABAUGH, MARC, ALAN3 | 6701 W 64TH STREET STE. 312 OVERLAND PARK, KS 66202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $64 | $1K | 14.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 63150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $529 | $74 | $603 | 6.87% |
| MIDWEST INSURANCE GROUP3 Filed as: MIDWEST INSURANCE GROUP INC. | PO BOX 220279 SAINT LOUIS, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $259 | — | $259 | 2.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 63150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $506 | — | $506 | 10.85% |
| HOLLABAUGH, MARC, ALAN3 Filed as: HOLLABAUGH, MARC A | 6701 W 64TH STREET STE. 312 OVERLAND PARK, KS 66202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $338 | — | $338 | 7.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | DELTA DENTAL OF MISSOURI | $13K | $33K | $46K | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 631505115 | THE HARTFORD | — | $550 | $550 | — |
| 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 | $479K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | 12399 GRAVOIS ST. LOUIS, MO 63127 | $46K |
| LOCKTON COMPANIES LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | 3 CITYPLACE DR STE 900 ST. LOUIS, MO 631417088 | $0 |
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 | 32 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 8 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 877 | $41K |
| Dental | DELTA DENTAL OF MISSOURI | 851 | $0 |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 877 | $41K |
| Life insurance(4 contracts, 3 carriers) | RELIANCE STANDARD | 493 | $221K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 487 | $93K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 416 | $369K |
| Other(6 contracts, 4 carriers) | RELIANCE STANDARD | 493 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 877 | — |
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.