| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST LOUIS, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $241K | $279K | 1.36% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST LOUIS, MO 63141 | BIND BENEFITS, INC. DBA SUREST | $0 | $6K | $6K | 1.01% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST LOUIS, MO 63141 | PRUDENTIAL LIFE INSURANCE COMPANY | $50K | $0 | $50K | 8.54% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL LIFE INSURANCE COMPANY | — | $7K | $7K | 1.29% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL LIFE INSURANCE COMPANY | $0 | $628 | $628 | 0.11% |
| GREGORY GILBERT WHERRY3 | 1406 WINDGATE WAY LANE CHESTERFIELD, MO 63005 | AFLAC | $39K | $0 | $39K | 8.84% |
| THERESA M. GARLAND3 | 514 EARTH CITY PLAZA, SUITE 110 EARTH CITY, MO 63045 | AFLAC | $28K | $2K | $30K | 6.90% |
| INSGROUP INC3 Filed as: ASSOCIATED INS GROUP & OTHER AGENTS | 150 WELDON PARKWAY, SUITE 100 MARYLAND HEIGHTS, MO 63043 | AFLAC | $17K | $464 | $17K | 3.93% |
| MICHAEL J ELLIS3 Filed as: MICHAEL J. ELLIS | 532 GARRICK PLACE O FALLON, MO 63368 | AFLAC | $8K | $254 | $9K | 1.93% |
| JUDITH GREER LAHAY3 | 11026 SAINT AMBROSE LANE SANT ANN, MO 63074 | AFLAC | $7K | $70 | $7K | 1.66% |
| ROBERT B DRUMMOND3 Filed as: ROBERT B. DRUMMOND | 514 EARTH CITY PLAZA, SUITE 110 EARTH CITY, MO 63045 | AFLAC | $5K | $246 | $6K | 1.25% |
| MICHAELLA NADINE WILLIAMS3 | 18 KEE DRIVE UNION, MO 63084 | AFLAC | $5K | $0 | $5K | 1.12% |
| MJ INSURANCE3 Filed as: JUSTIN P. BOX AND VARIOUS AGENTS | 92 NORTH VALLEY TRAIL EUREKA, MO 63025 | AFLAC | $4K | $128 | $4K | 5.52% |
| GREGORY GILBERT WHERRY3 | 1406 WINDGATE WAY LANE CHESTERFIELD, MO 63005 | AFLAC | $2K | $0 | $2K | 3.66% |
| THERESA M. GARLAND3 | 514 EARTH CITY PLAZA, SUITE 110 EARTH CITY, MO 63045 | AFLAC | $1K | $106 | $2K | 2.26% |
| MICHAEL J ELLIS3 Filed as: MICHAEL J. ELLIS | 532 GARRICK PLACE O FALLON, MO 63368 | AFLAC | $1K | $0 | $1K | 1.65% |
| BRITT F PARK3 Filed as: BRITT F. PARK | 968 HUNTER CHAISE DRIVE WENTZVILLE, MO 63385 | AFLAC | $767 | $0 | $767 | 1.15% |
| ASSOCIATED INSURANCE GROUP3 | 150 WELDON PARKWAY, SUITE 100 MARYLAND HEIGHTS, MO 63043 | AFLAC | $609 | $0 | $609 | 0.91% |
| MICHAELLA NADINE WILLIAMS3 | 18 KEE DRIVE UNION, MO 63084 | AFLAC | $592 | $0 | $592 | 0.88% |
| GROUP ASSOCIATED INSURANCE3 | 150 WELDON PARKWAY ST LOUIS, MO 63043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 23.38% |
| THERESA M. GARLAND3 | 4468 BOLES ROAD LABADIE, MO 63055 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 22.72% |
| ROBERT DRUMMOND3 | 1120 SOUTH 6TH STREET, SUITE 110 ST LOUIS, MO 63104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $846 | $0 | $846 | 3.34% |
| ALEXIS LOVE3 | 4345 CONNECTICUT STREET ST LOUIS, MO 63116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $664 | $0 | $664 | 2.62% |
| ROBERT DALE UFFMANN3 Filed as: ROBERT DUFFMANN | 1220 HIGH STREET WASHINGTON, MO 63090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $491 | $0 | $491 | 1.94% |
| MICHAEL E. KEATHLEY3 | 919 DEVEREAUX DES PERESES, MO 63131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | $0 | $102 | 0.40% |
| JESSICA L. EERNISSE3 | 7222 FORESTATE DRIVE ST LOUIS, MO 63123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | $0 | $97 | 0.38% |
| HILLENBRAND INSURANCE SERVICES3 Filed as: HILLENBRAND INSURANCE GROUP, INC. | 12404 CABOT MANOR CIRCLE ST 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 | 3,351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,839 | $21.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 3,839 | $20.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,839 | $20.5M |
| Life insurance(3 contracts, 3 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY | 3,351 | $616K |
| Short-term disability(4 contracts, 3 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY | 3,351 | $1.1M |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY | 3,351 | $583K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 3,839 | $20.5M |
| Other(6 contracts, 5 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY | 3,825 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,839 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.