| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $32K | $157K | $189K | 1.15% |
| MICHAEL J ELLIS3 Filed as: MICHAEL J. ELLIS | 532 GARRICK PLACE O FALLON, MO 63368 | AFLAC | $34K | $1K | $35K | 6.80% |
| GREGORY GILBERT WHERRY3 | 1406 WINDGATE WAY LANE CHESTERFIELD, MO 63005 | AFLAC | $31K | $0 | $31K | 6.05% |
| MJ INSURANCE3 Filed as: TAMARA L. JONES AND VARIOUS AGENTS | 31499 COUNTRY VIEW ROAD TEMECULA, CA 92591 | AFLAC | $19K | $1K | $20K | 3.98% |
| JUSTIN PAUL COX3 | 450 WEST WILSON BRIDGE ROAD SUITE 110 WORTHINGTON, OH 43085 | AFLAC | $12K | $701 | $13K | 2.48% |
| MICHAEL HOLLEY3 | 515 EDWARDSVILLE ROAD, UNIT 443 TROY, IL 62294 | AFLAC | $7K | $371 | $8K | 1.48% |
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $7K | $0 | $7K | 1.42% |
| JARREN BELT3 | 514 PLAZA ONE OFFICE CENTER SUITE 110 EARTH CITY, MO 63045 | AFLAC | $6K | $404 | $7K | 1.27% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $8K | $47K | 9.56% |
| MICHAEL J ELLIS3 Filed as: MICHAEL J. ELLIS | 532 GARRICK PLACE O FALLON, MO 63368 | AFLAC | $4K | $112 | $4K | 4.07% |
| MJ INSURANCE3 Filed as: TYSON C. FUNK AND VARIOUS AGENTS | 917 CROWN POINTE TERRACE COURT WILDWOOD, MO 63021 | AFLAC | $4K | $138 | $4K | 4.05% |
| GREGORY GILBERT WHERRY3 | 1406 WINDGATE WAY LANE CHESTERFIELD, MO 63005 | AFLAC | $2K | $0 | $2K | 1.85% |
| BRITT F PARK3 Filed as: BRITT F. PARK | 968 HUNTER CHAISE DRIVE WENTZVILLE, MO 63385 | AFLAC | $1K | $0 | $1K | 1.09% |
| ASSOCIATED INSURANCE GROUP3 | 150 WELDON PARKWAY, SUITE 100 MARYLAND HEIGHTS, MO 63043 | AFLAC | $823 | $0 | $823 | 0.86% |
| JARREN BELT3 | 514 PLAZA ONE OFFICE CENTER SUITE 110 EARTH CITY, MO 63045 | AFLAC | $622 | $51 | $673 | 0.70% |
| JUSTIN P COX3 Filed as: JUSTIN P. COX | 92 NORTH VALLEY TRAIL EUREKA, MO 63025 | AFLAC | $644 | $0 | $644 | 0.67% |
| 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 | 15.00% |
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 | 3,043 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,064 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,936 | $16.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,936 | $16.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,936 | $16.4M |
| Life insurance(4 contracts, 3 carriers) | AFLAC | 3,043 | $1.1M |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 3,043 | $1.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,043 | $491K |
| Other(5 contracts, 4 carriers) | AFLAC | 3,043 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,043 | — |
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.