| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO. LLC - ST. LOUIS SERIES | — | TOKIO MARINE | $23K | $0 | $23K | 6.67% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N. MERAMEC AVE., #300 ST. LOUIS, MO 63105 | TOKIO MARINE | $11K | $0 | $11K | 3.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 ST. LOUIS, MO 63150 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.91% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N. MERAMEC AVE., #300 ST. LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 ST. LOUIS, MO 63150 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.93% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N. MERAMEC AVE. #300 ST. LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 ST. LOUIS, MO 63150 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.90% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N. MERAMEC AVE., #300 ST. LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST., SUITE 900 KANSAS CITY, MO 64112 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $847 | — | $847 | 4.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E. UNION, SUITE 700 DENVER, CO 80237 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $525 | — | $525 | 2.55% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 701 MARKET ST., SUITE 1000 SAINT LOUIS, MO 63101 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $345 | — | $345 | 1.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $121K |
| LOCKTON COMPANIES LLC-ST. LOUIS SER EIN 20-3354970 BROKER | Other commissions Service code 55 | — | $12K |
| CARAVUS LLC EIN 43-1699394 BROKER | Other commissions Service code 55 | 168 N. MERAMEC AVE., #300 ST. LOUIS, MO 63105 | $4K |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 153 | $21K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $25K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $34K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 195 | $338K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.