| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | ONE INTERNATIONAL PL 16TH FL BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $55K | — | $55K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY | $19K | — | $19K | 2.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 911890001 | PRUDENTIAL INSURANCE COMPANY | $17K | — | $17K | 2.21% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY | — | $259 | $259 | 0.03% |
| AMERICAN MEDICARE COUNSELORS | 1998 INNERBELT BUSINESS CENTER SAINT LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 19.68% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8K | — | $8K | 7.87% |
| BRYANT GROUP INC3 | ONE GATEWAY ON THE MALL 701 MARKET ST STE 300 SAINT LOUIS, MO 631011825 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $897 | — | $897 | 0.85% |
| BRYANT GROUP INC3 Filed as: BRYANT PLANNING GROUP INC | 701 MARKET STREET STE 1200 SAINT LOUIS, MO 631011858 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $388 | — | $388 | 0.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 CLAIMS PROCESSOR | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services Service code 12 | — | $867K |
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $793K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $58K |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 CLAIMS PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Claims processing Service code 12 | — | -$38K |
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 | 1,371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,341 | $112K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,303 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY | 1,297 | $851K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 426 | $1.5M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,369 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,369 | — |
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.