| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PL 16TH FL BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $49K | — | $49K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 4.74% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $255 | $255 | 0.03% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $44 | $44 | 0.01% |
| AMERICAN MEDICARE COUNSELORS | 1998 INNERBELT BUSINESS CENTER SAINT LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 15.52% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $12K | — | $12K | 8.89% |
| BRYANT GROUP INC3 | ONE GATEWAY ON THE MALL SUITE 300 SAINT LOUIS, MO 63101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| DONALD BRYANT | 701 MARKET STREET SUITE 1200 SAINT LOUIS, MO 63101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $24 | — | $24 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $189 | — | $189 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 CLAIMS PROCESSOR | Other services; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $1.3M |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $582K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $59K |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 CLAIMS PROCESSOR | Contract Administrator; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $398 |
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 | 1,428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1 | $4K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,482 | $119K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,359 | $986K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,348 | $916K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 419 | $1.2M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,501 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,501 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.