| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE SUITE 900 SAINT LOUIS, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $197K | $234K | 1.11% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 0.05% |
| AIG3 Filed as: AIG AGENCY INC | 150 WELDON PKWY MARYLAND HEIGHTS, MO 63043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127K | $0 | $127K | 11.66% |
| TAMARA KING AND ALL AGENTS3 | 15 BAY OAKS CT ST CHARLES, MO 63367 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66K | $0 | $66K | 6.10% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55K | $0 | $55K | 5.04% |
| THERESA M. GARLAND3 Filed as: THERESA M GARLAND | 4468 BOLES ROAD LABADIE, MO 63055 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37K | $0 | $37K | 3.43% |
| ROBERT B DRUMMOND3 | 16225 TRADE WINDS CT WILDWOOD, MO 63040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | $0 | $33K | 3.04% |
| JUDITH GREER LAHAY3 Filed as: JUDITH G GREER LAHAY | 11026 SAINT AMBROSE LANE SAINT ANN, MO 63074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 2.01% |
| ALEXIS LOVE3 | 4345 CONNECTICUT STREET APT G SAINT LOUIS, MO 45033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 1.77% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA PO BOX 505115 SAINT LOUIS, MO 63150 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 8.46% |
| HILLENBRAND INSURANCE SERVICES3 Filed as: HILLENBRAND INSURANCE GROUP | 12404 CABOT MANOR CIRCLE ST LOUIS, MO 63141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 13.85% |
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 | 2,719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,729 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,663 | $21.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 4,663 | $21.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,663 | $21.1M |
| Life insurance(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,719 | $1.6M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,719 | $1.6M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 2,719 | $541K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 4,663 | $21.1M |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,829 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,663 | — |
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.