| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $62K | — | $62K | 5.01% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 8500 S-6110 PHILADELPHIA, PA 19178 | SYMETRA LIFE INSURANCE COMPANY | — | $56K | $56K | 4.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 4.02% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $632 | $632 | 0.07% |
| AMERICAN MEDICAL CLAIMS | 1829 BELTWAY DRIVE ST. LOUIS, MO 63114 | JOHN HANCOCK LIFE INSURANCE COMPANY | $27K | — | $27K | 7.40% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $21K | — | $21K | 11.04% |
| BRYAN GROUP INC3 Filed as: BRYAN PLANNING GROUP INC | 701 MARKET STREET SUITE 1200 ST. LOUIS, MO 63101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.45% |
| BRYANT GROUP INC3 | 701 MARKET STREET SUITE 1200 ST. LOUIS, MO 63101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.44% |
| DONALD BRYANT3 Filed as: DONALD L. BRYANT, JR. | 701 MARKET STREET SUITE 1200 ST. LOUIS, MO 63101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $165 | — | $165 | 0.09% |
| AMERICAN MEDICARE COUNSELORS | 1829 BELTWAY DRIVE SAINT LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 14.90% |
| WELLS FARGO INSURANCE SERVICES Filed as: WELLS FARGO INSURANCE SERVICES USA | 10 S. WACKER 17TH FLOOR CHICAGO, IL 60606 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $638 | — | $638 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $754K |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 CLAIMS PROCESSOR | Float revenue; Claims processing; Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $570K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $71K |
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 | 1,742 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 9 | $128K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 863 | $130K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 2,220 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,747 | $1.1M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,441 | $1.1M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 2,220 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,220 | — |
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.