| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (NORTHEAST) | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $11K | $11K | 0.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 7.42% |
| KARI ANN DAVIS3 | 325 SUNWARD DRIVE OFALLON, MO 63368 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.96% |
| SHIRLEY ANN VEJVODA3 | 331 SAN MARCO WAY ST PETERS, MO 63304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.02% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 N CENTRAL EXPY STE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $940 | $0 | $940 | 1.43% |
| ROBERT B DRUMMOND3 | 7723 SUFFOLK AVENUE SAINT LOUIS, MO 63119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $707 | $0 | $707 | 1.08% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY MICHAEL SATTERLEE | 4351 JAGER DR NE STE B RIO RANCHO, NM 871447527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $477 | $0 | $477 | 0.73% |
| DAVID E SCHMIDT3 | 331 SAN MARCO WAY SAINT PETERS, MO 633045655 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | $0 | $220 | 0.34% |
| LINDA BUCHMANN3 | 137 KEYSTONE RIDGE DRIVE OFALLON, MO 63366 | CONTINENTAL AMERICAN INSURANCE COMPANY | $214 | $0 | $214 | 0.33% |
| MARIAELENA SELVAGGIO3 | 1685 SW 4TH AVE BOCA RATON, FL 33432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | $0 | $126 | 0.19% |
| JOSEPH RUSSELL GUNTHER JR3 | 327 N TIAGO DR GILBERT, AZ 85233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | $0 | $110 | 0.17% |
| AILEEN KEENAN3 Filed as: AILEEN M KEENAN | 9603 NW 36TH CT POMPANO BEACH, FL 33065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.02% |
| BRIAN GEORGE JAEGGI3 | 2875 NW 28TH ST BOCA RATON, FL 33434 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER DUANE LEE | 600 SE RANCH OA CIRCLE PORT SAINT LUCIE, FL 34984 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST. STE 900 KANSAS CITY, MO 64112 | SYMETRA | $4K | $3K | $7K | 15.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES OF ST. LOUIS | C/O BANK OF AMERICA PO BOX 505115 SAINT LOUIS, MO 63150 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $2K | $3K | 19.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO | Insurance brokerage commissions and fees Service code 53 | — | $6K |
| LOCKTON COMPANIES LLC (NORTHEAST) INSURANCE AGENCY | Insurance agents and brokers Service code 22 | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 022417484 | $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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $1.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $1.1M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 127 | $17K |
| Short-term disability | SYMETRA | 127 | $44K |
| Long-term disability | SYMETRA | 127 | $44K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 126 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.