| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO OF ST. LOUIS INC | #3 CITYPLACE DR SUITE 900 ST LOUIS, MO 63141 | CIGNA GROUP INSURANCE | $2K | — | $2K | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO OF ST. LOUIS INC | #3 CITYPLACE DR SUITE 900 ST. LOUIS, MO 63141 | CIGNA GROUP INSURANCE | $5K | — | $5K | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO OF ST. LOUIS INC | #3 CITYPLACE DR SUITE 900 ST. LOUIS, MO 63141 | CIGNA GROUP INSURANCE | $18K | — | $18K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 NONE | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $380K |
| EXPRESS SCRIPTS INC | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | — | $147K |
| LOCKTON COMPANIES LLC | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $55K |
| RIGHT CHOICE MANAGED CARE EIN 47-0851593 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $14K |
| NETWORK USA CONNECTION DENTAL | Other services Service code 49 | — | $2K |
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 | 389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | CIGNA GROUP INSURANCE | 380 | $0 |
| Long-term disability | CIGNA GROUP INSURANCE | 144 | $0 |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE CO | 927 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.