| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | $263K | $312K | 1.46% |
| ASSOCIATED INSURANCE GROUP3 | 150 WELDON PARKWAY MARYLAND HEIGHTS, MO 63043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192K | $0 | $192K | 22.58% |
| THERESA M. GARLAND3 Filed as: THERESA M GARLAND | 4468 BOLES ROAD LABADIE, MO 63055 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174K | $0 | $174K | 20.38% |
| AIG AGENCY INC & OTHER AGENTS3 | 150 WELDON PARKWAY MARYLAND HEIGHTS, MO 63049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49K | $0 | $49K | 5.72% |
| ROBERT DALE UFFMANN3 | 1200 HIGH STREET WASHINGTON, MO 63090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46K | $0 | $46K | 5.42% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42K | $0 | $42K | 4.98% |
| ROBERT B DRUMMOND3 | 16225 TRADE WINDS COURT WILDWOOD, MO 63040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31K | $0 | $31K | 3.62% |
| ALEXIS LOVE3 | 4345 CONNECTICUT STREET APARTMENT G SAINT LOUIS, MO 63116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | $0 | $24K | 2.76% |
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $52K | $0 | $52K | 9.75% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $692 | $692 | 0.13% |
| HILLENBRAND INSURANCE SERVICES3 Filed as: HILLENBRAND INSURANCE GROUP, INC. | 12404 CABOT MANOR CIRCLE SAINT LOUIS, MO 63141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.01% |
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 | 3,014 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,037 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,550 | $21.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 3,550 | $21.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,550 | $21.4M |
| Life insurance(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,014 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,014 | $1.4M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,014 | $535K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 3,550 | $21.4M |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,285 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,550 | — |
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.