| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 ST. LOUIS, MO 63141 | HCC LIFE INSURANCE COMPANY | $45K | $20K | $65K | 14.50% |
| LOCKTON COMPANIES, LLC2 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | SYMETRA LIFE INSURANCE COMPANY | $21K | $11K | $31K | 11.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | $12K | $7K | $19K | 13.67% |
| LOCKTON COMPANIES, LLC2 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | $8K | $3K | $10K | 18.15% |
| HOLLABAUGH, MARC, ALAN1 | 836 WEST 62ND ST KANSAS CITY, MO 64113 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $452 | $7K | 13.57% |
| LOCKTON COMPANIES, LLC5 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $285 | $4K | 8.17% |
| MIDWEST INSURANCE GROUP Filed as: MIDWEST INSURANCE GROUP INC. | PO BOX 220279 ST. LOUIS, MO 63122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $417 | $0 | $417 | 0.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 631417088 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 11.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | $1K | $777 | $2K | 13.66% |
| HOLLABAUGH, MARC, ALAN3 | 836 WEST 62ND ST KANSAS CITY, MO 64113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $62 | $1K | 11.71% |
| LOCKTON COMPANIES, LLC2 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DR. CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $580 | $43 | $623 | 5.69% |
| MIDWEST INSURANCE GROUP3 Filed as: MIDWEST INSURANCE GROUP INC. | PO BOX 220279 SAINT LOUIS, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $234 | $0 | $234 | 2.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | DELTA DENTAL OF MISSOURI | $13K | $26K | $39K | — |
| 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 | $376K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | 12399 GRAVOIS ST. LOUIS, MO 63127 | $39K |
| EXPRESS SCRIPTS EIN 43-1420563 BROKER | Other services; Claims processing Service code 12 | 1 EXPRESS WAY ST. LOUIS, MO 63121 | $28K |
| LOCKTON COMPANIES LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | 3 CITYPLACE DR STE 900 ST. LOUIS, MO 631417088 | $21K |
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 | 723 | $35K |
| Dental | DELTA DENTAL OF MISSOURI | 717 | $0 |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 723 | $35K |
| Life insurance(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 437 | $469K |
| Long-term disability(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 437 | $336K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 364 | $449K |
| Other(4 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 437 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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.