| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $48K | — | $48K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $20K | $20K | 2.06% |
| WILLIS TOWERS WATSON US LLC3 | S-6110 PO BOX 8500 PHILADELPHIA, PA 19178 | PRUDENTIAL INSURANCE COMPANY | $19K | — | $19K | 2.50% |
| WILLIS TOWERS WATSON US LLC3 | S-6110 PO BOX 8500 PHILADELPHIA, PA 19178 | PRUDENTIAL INSURANCE COMPANY | $14K | — | $14K | 1.84% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY | — | $255 | $255 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATCHSON US LLC | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 10.86% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.71% |
| BRYANT GROUP INC3 Filed as: BRYANT PLANNING GROUP INC | 701 MARKET ST STE 1200 SAINT LOUIS, MO 63101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $95 | — | $95 | 0.14% |
| BRYANT GROUP INC3 | STE 300 ONE GATEWAY ON THE MALL 701 MARKET ST SAINT LOUIS, MO 63101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $63 | — | $63 | 0.09% |
| AMERICAN MEDICARE COUNSELORS3 | 1998 INNERBELT BUSINESS CTR SAINT LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPNAIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY | $139 | — | $139 | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 CLAIMS ADMINISTRATOR | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue Service code 12 | — | $881K |
| EXPRESS SCRIPTS INC EIN 43-1420563 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $324K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $56K |
| WILLIS TOWERS WATSON US LLC EIN 95-4331852 CONSULTANT | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $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 | 1,247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,498 | $112K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,171 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY | 1,169 | $810K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 949 | $1.5M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,369 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,498 | — |
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."
No prospect flags tripped on this filing.