| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | DELTA DENTAL OF MISSOURI | $11K | — | $11K | 0.50% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $109K | — | $109K | 7.25% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $34K | $34K | 2.25% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $62K | — | $62K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 1110 VERMONT AVENUE, NW#700 WASHINGTON, DC 20005 | JOHN HANCOCK LIFE INSURANCE COMPANY (USA) | $15K | — | $15K | 4.17% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE MCCULLUGH | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | JOHN HANCOCK LIFE INSURANCE COMPANY (USA) | $15K | — | $15K | 4.17% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | SYMETRA LIFE INSURANCE COMPANY | $26K | — | $26K | 8.46% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE MCCULLUGH | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | GENWORTH LIFE INSURANCE COMPANY | $27K | — | $27K | 11.16% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | GENWORTH LIFE INSURANCE COMPANY | $9K | — | $9K | 3.72% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | RELIASTAR LIFE INSURANCE COMPANY | $34K | — | $34K | 15.51% |
No Schedule C service providers reported on this filing.
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 | 4,617 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 186 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 6,837 | $2.3M |
| Vision | VISION SERVICE PLAN | 2,042 | $271K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 4,617 | $309K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,985 | $1.2M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,814 | $1.5M |
| Other(5 contracts, 5 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY (USA) | 4,617 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,837 | — |
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.