| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $108K | $9K | $117K | 11.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $44K | $44K | 4.16% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | PROVIDENT LIFE INSURANCE AND ACCIDENT COMPANY | $21K | $8K | $30K | 5.81% |
| CAMMON COMPANY3 | 701 MARKET STREET, SUITE 300 ST LOUIS, MO 63101 | PROVIDENT LIFE INSURANCE AND ACCIDENT COMPANY | $19K | $1K | $20K | 3.92% |
| BRYANT GROUP INC3 Filed as: BRYANT PLANNING GROUP INC | 701 MARKET STREET, SUITE 300 ST LOUIS, MO 63101 | PROVIDENT LIFE INSURANCE AND ACCIDENT COMPANY | $14K | $0 | $14K | 2.81% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE INSURANCE AND ACCIDENT COMPANY | $0 | $6K | $6K | 1.19% |
| R & B FINANCIAL SERVICES INC3 Filed as: R & B FINANCIAL SERVICES INC. | 168 NORTH MERAMEC AVENUE, SUITE 300 ST LOUIS, MO 63105 | PROVIDENT LIFE INSURANCE AND ACCIDENT COMPANY | $2K | $0 | $2K | 0.35% |
| RANDALL WARREN PECK3 | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE INSURANCE AND ACCIDENT COMPANY | $19 | $0 | $19 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $40K | $4K | $44K | 21.75% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BNFTS ADMINISTRATION INC | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.79% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $261 | $78 | $339 | 7.80% |
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 | 752 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 798 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 992 | $438K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 801 | $40K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 752 | $1.0M |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 752 | $1.6M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 752 | $1.0M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 895 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 992 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.