| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $166K | $7K | $174K | 3.11% |
| HRO PARTNERS3 | 855 WILLOW TREE CIRCLE, SUITE 100 CORDOVA, TN 38018 | STANDARD INSURANCE COMPANY | $49K | $0 | $49K | 19.75% |
| BLUE CHIP CONSORTIUM LLC3 Filed as: BLUE CHIP CONSORTIUM | 8460 WATSON ROAD, SUITE 225 SAINT LOUIS, MO 63119 | STANDARD INSURANCE COMPANY | $32K | $3K | $36K | 14.32% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | DELTA DENTAL OF MISSOURI | $16K | $4K | $19K | 8.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | DELTA DENTAL OF MISSOURI | $5 | $0 | $5 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | DELTA DENTAL OF MISSOURI | -$803 | $0 | -$803 | -0.37% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | VISION BENEFITS OF AMERICA | $463 | $0 | $463 | 1.93% |
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 | 952 | 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) | 952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 707 | $5.6M |
| Dental | DELTA DENTAL OF MISSOURI | 797 | $215K |
| Vision | VISION BENEFITS OF AMERICA | 425 | $24K |
| Life insurance | STANDARD INSURANCE COMPANY | 952 | $250K |
| Long-term disability | STANDARD INSURANCE COMPANY | 952 | $250K |
| Prescription drug | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 707 | $5.6M |
| Other | STANDARD INSURANCE COMPANY | 952 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 952 | — |
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.