| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 E. UNION, SUITE 700 DENVER, CO 80237 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $196K | — | $196K | 3.84% |
| DEWITT INSURANCE AGENCY INC3 Filed as: DEWITT INSURANCE AGENCY | DBA CHAS W. INSURANCE AGENCY INC. 13523 BARRETT PARKWAY, SUITE 140 ST. LOUIS, MO 63021 | UNION SECURITY INSURANCE COMPANY | $16K | — | $16K | 4.51% |
| BLUE CHIP CONSORTIUM LLC3 Filed as: THE BLUE CHIP CONSORTIUM LLC | 8460 WATSON ROAD, SUITE 225 ST. LOUIS, MO 63119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 5.71% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 4.32% |
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 | 908 | 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) | 911 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 737 | $5.1M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 737 | $5.1M |
| Vision | VISION BENEFITS OF AMERICA | 479 | $30K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 975 | $622K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 975 | $622K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 975 | $622K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 975 | — |
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.