| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYANT GROUP INC3 | SUITE 1200 701 MARKET STREET ST. LOUIS, MO 63101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 2.97% |
| BRYANT GROUP INC3 | SUITE 1200 701 MARKET ST ST. LOUIS, MO 63101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 1.53% |
| HARVARD PRINTING GROUP5 | 175 US HIGHWAY 46 WEST FAIRFIELD, NJ 07004 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $633 | $633 | 0.08% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $175 | $175 | 0.02% |
| BRYANT GROUP INC3 | PEABODY PLAZA STE 1200 701 MARKET STREET ST. LOUIS, MO 63101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $4K | $37K | 7.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 ST. LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | — | $43 | $43 | 0.01% |
| AMERICAN MEDICARE COUNSELORS3 | 1829 BELTWAY DR ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 14.87% |
| BRYANT GROUP INC3 | SUITE 1200 701 MARKET ST ST. LOUIS, MO 63101 | HARTFORD LIFE AND ACCIDENT | $161 | — | $161 | 5.99% |
| UNITED BEHAVIORAL HEALTH DBA OPTUM3 | DEPT 75897 PO BOX 3900 SAN FRANCISCO, CA 94139 | UNITED BEHAVIORAL HEALTH DBA OPTUM | — | $11K | $11K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 13655 RIVERPORT DR MARYLAND HEIGHTS, MO 63043 | $485K |
| LOCKTON COMPANIES LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | 3 CITYPLACE DR STE 900 ST. LOUIS, MO 63141 | $0 |
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 | 758 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 934 | $425K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY / EYEMED VISION CARE | 795 | $41K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 985 | $808K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 732 | $522K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 732 | $522K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,064 | $534K |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 985 | $970K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,064 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.