| 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 | $51K | $47K | $98K | 9.57% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | PRUDENTIAL INSURANCE COMPANY | $33K | — | $33K | 4.18% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY | — | $251 | $251 | 0.03% |
| AMERICAN MEDICARE COUNSELORS | 1998 INNERBELT BUSINESS CENTER SAINT LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 14.99% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.82% |
| BRYANT GROUP INC3 | 701 MARKET STREET STE 300 SAINT LOUIS, MO 63101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.90% |
| BRYANT GROUP INC3 Filed as: BRYANT PLANNING GROUP INC | 701 MARKET STREET STE 1200 SAINT LOUIS, MO 63101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $382 | — | $382 | 0.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SUITE 1200 2100 ROSS AVENUE 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 | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $1.1M |
| WILLIS TOWERS WATSON US LLC CONSULTANT | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 15303 VENTURA BLVD SUITE 700 SHERMAN OAKS, CA 91403 | $66K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $57K |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 CLAIMS ADMINISTRATOR | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | — | -$587 |
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 | 1,389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 771 | $114K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,314 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY | 1,288 | $892K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,074 | $1.6M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,369 | $1.2M |
| 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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.