| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DRIVE ST. LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $95K | — | $95K | 28.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DRIVE ST. LOUIS, MO 63141 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $25K | — | $25K | 12.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DRIVE ST. LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE INSURANCE COMPANY | Contract Administrator Service code 13 | — | $338K |
| LOCKTON COMPANIES LLC | Insurance agents and brokers Service code 22 | 3 CITY PLACE DRIVE ST. LOUIS, MO 63141 | $0 |
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 | 977 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 977 | $338K |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 977 | $338K |
| Life insurance(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 977 | $388K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 435 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 977 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.