| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYANT GROUP INC3 | SUITE 1200 701 MARKET ST ST. LOUIS, MO 631011884 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $53K | — | $53K | 5.99% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $163 | $163 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - ST LOUIS | 3 CITY PLACE DR STE 900 ST. LOUIS, MO 63141 | DELTA DENTAL OF MISSOURI | $2K | — | $2K | 0.55% |
| AMERICAN MEDICARE COUNSELORS3 | 1998 INNERBELT BUSINESS CENTER ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 14.86% |
| BRYANT GROUP INC3 | 701 MARKET ST SUITE 1200 ST. LOUIS, MO 63101 | HARTFORD LIFE AND ACCIDENT | $261 | — | $261 | 6.01% |
| 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, LLC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 13655 RIVERPORT DR MARYLAND HEIGHTS, MO 63043 | $190K |
| LOCKTON COMPANIES LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | 3 CITYPLACE DR 900 ST. LOUIS, MO 631417088 | $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 | 738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 942 | $392K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY/EYEMED VISION CARE | 839 | $49K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 709 | $892K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 709 | $892K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 709 | $892K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,014 | $627K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 730 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,014 | — |
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.