| 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 | $40K | $18K | $58K | 14.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | RELIANCE STANDARD | $9K | $3K | $11K | 12.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | RELIANCE STANDARD | $9K | $3K | $11K | 12.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 631417088 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | RELIANCE STANDARD | $2K | $2K | $5K | 5.86% |
| HOLLABAUGH, MARC, ALAN3 | 6701 W 64TH STREET STE. 312 OVERLAND PARK, KS 66202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $550 | $8K | 17.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 631505115 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $562 | $5K | 10.48% |
| MIDWEST INSURANCE GROUP3 Filed as: MIDWEST INSURANCE GROUP INC. | PO BOX 220279 SAINT LOUIS, MO 63122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $606 | — | $606 | 1.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | RELIANCE STANDARD | $302 | $299 | $601 | 5.97% |
| HOLLABAUGH, MARC, ALAN3 | 6701 W 64TH STREET STE. 312 OVERLAND PARK, KS 66202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $128 | $2K | 18.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 63150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $899 | $131 | $1K | 10.29% |
| MIDWEST INSURANCE GROUP3 Filed as: MIDWEST INSURANCE GROUP INC. | PO BOX 220279 SAINT LOUIS, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $246 | — | $246 | 2.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 63150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $789 | — | $789 | 12.15% |
| HOLLABAUGH, MARC, ALAN3 Filed as: HOLLABAUGH, MARC, A | 836 WEST 62ND ST KANSAS CITY, MO 64113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $526 | — | $526 | 8.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | DELTA DENTAL OF MISSOURI | $14K | $34K | $48K | — |
| 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 | $444K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | 12399 GRAVOIS ST. LOUIS, MO 63127 | $48K |
| EXPRESS SCRIPTS EIN 43-1420563 BROKER | Claims processing; Other services Service code 12 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $25K |
| 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 | 499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 14 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 835 | $84K |
| Dental | DELTA DENTAL OF MISSOURI | 819 | $0 |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 835 | $84K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD | 499 | $216K |
| Long-term disability | RELIANCE STANDARD | 447 | $88K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 418 | $400K |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD | 499 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 835 | — |
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.