| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $165K | — | $165K | 2.79% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 8110 E. UNION STE 700 DENVER, CO 80237 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $59K | — | $59K | 1.00% |
| DEWITT INSURANCE AGENCY INC Filed as: DEWITT INSURANCE AGENCY | DBA CHAS W INS AGENCY INC. 13523 BARRETT PARKWAY STE. 140 SAINT LOUIS, MO 63021 | UNION SECURITY INSURANCE COMPANY | $16K | — | $16K | 4.78% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $15K | — | $15K | 5.00% |
| LOCKTON COMPANIES, LLC | 3 CITYPLACE DRIVE SUITE 900 SAINT LOUIS, MO 63141 | VISION BENEFITS OF AMERICA | $633 | — | $633 | 1.67% |
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 | 609 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 923 | $5.9M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 619 | $297K |
| Vision | VISION BENEFITS OF AMERICA | 550 | $38K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 1,017 | $339K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 1,017 | $339K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 1,017 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,017 | — |
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.