| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 E. UNION ST., SUITE 700 DENVER, CO 80237 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $30K | $2K | $32K | 1.75% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 701 MARKET STREET, SUITE 1000 ST. LOUIS, MO 63101 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $6K | — | $6K | 0.32% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 606930159 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 3.30% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 N. MERAMEC AVENUE, SUITE 300 ST. LOUIS, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 1.65% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $849 | $849 | 0.72% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.95% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N. MERAMEC AVENUE, SUITE 300 ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $951 | — | $951 | 2.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS, LLC | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 5.71% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 N. MERAMEC AVENUE, SUITE 300 ST. LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 3.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | — | $864 | $864 | 3.01% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | VISION BENEFITS OF AMERICA | $313 | — | $313 | 2.89% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 N. MERAMEC AVENUE, SUITE 300 ST. LOUIS, MO 63105 | VISION BENEFITS OF AMERICA | $229 | — | $229 | 2.11% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $299 | $299 | 19.97% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $226 | — | $226 | 15.10% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 297 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $118K |
| Vision | VISION BENEFITS OF AMERICA | 89 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 164 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $36K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 166 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.