| 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 | $35K | $189K | $224K | 1.12% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | $8K | $54K | 8.97% |
| GREGORY GILBERT WHERRY3 Filed as: GREGORY WHERRY | 1406 WINDGATE WAY LANE CHESTERFIELD, MO 63005 | AFLAC | $17K | $0 | $17K | 5.67% |
| MICHAEL ELLIS3 | 532 GARRICK PLACE O FALLON, MO 63368 | AFLAC | $15K | $766 | $16K | 5.30% |
| MJ INSURANCE3 Filed as: JUSTIN COX AND VARIOUS AGENTS | 450 WEST WILSON BRIDGE ROAD SUITE 110 WORTHINGTON, OH 43085 | AFLAC | $11K | $584 | $12K | 3.89% |
| THERESA GARLAND3 | 514 EARTH CITY PLAZA, SUITE 110 EARTH CITY, MO 63045 | AFLAC | $9K | $153 | $9K | 2.98% |
| JAMES BURRESS3 | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $3K | $80 | $3K | 0.92% |
| ROBERT DRUMMOND3 | 514 EARTH CITY PLAZA, SUITE 110 EARTH CITY, MO 63045 | AFLAC | $3K | $60 | $3K | 0.84% |
| MICHAEL E. KEATHLEY3 Filed as: MICHAEL KEATHLEY | 919 DEVEREAUX DRIVE ST. LOUIS, MO 63131 | AFLAC | $2K | $58 | $2K | 0.75% |
| MJ INSURANCE3 Filed as: TYSON FUNK AND VARIOUS AGENTS | 917 CROWN POINTE TERRACE COURT WILDWOOD, MO 63021 | AFLAC | $3K | $0 | $3K | 4.48% |
| GREGORY GILBERT WHERRY3 Filed as: GREGORY WHERRY | 1406 WINDGATE WAY LANE CHESTERFIELD, MO 63005 | AFLAC | $2K | $0 | $2K | 2.80% |
| MICHAEL ELLIS3 | 532 GARRICK PLACE O FALLON, MO 63368 | AFLAC | $1K | $0 | $1K | 2.23% |
| THERESA GARLAND3 | 514 EARTH CITY PLAZA, SUITE 110 EARTH CITY, MO 63045 | AFLAC | $1K | $0 | $1K | 1.78% |
| BRITT F PARK3 Filed as: BRITT PARK | 968 HUNTER CHAISE DRIVE WENTZVILLE, MO 63385 | AFLAC | $750 | $0 | $750 | 1.16% |
| ASSOCIATED INSURANCE GROUP3 | 150 WELDON PARKWAY, SUITE 100 MARYLAND HEIGHTS, MO 63043 | AFLAC | $592 | $0 | $592 | 0.91% |
| JUSTIN P COX3 Filed as: JUSTIN COX | 92 NORTH VALLEY TRAIL EUREKA, MO 63025 | AFLAC | $445 | $0 | $445 | 0.69% |
| HILLENBRAND INSURANCE SERVICES3 Filed as: HILLENBRAND INSURANCE GROUP INC | 12404 CABOT MANOR CIRCLE ST. LOUIS, MO 63141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $889 | $0 | $889 | 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 | 3,597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,039 | $20.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,039 | $20.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,039 | $20.0M |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,597 | $978K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,597 | $972K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,597 | $601K |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,597 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,597 | — |
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.