| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $136K | $7K | $143K | 2.99% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $51K | $0 | $51K | 10.46% |
| BLUE CHIP CONSORTIUM LLC3 Filed as: BLUE CHIP CONSORTIUM | 390 SOUTH WOODS MILL ROAD SUITE 100 CHESTERFIELD, MO 63017 | STANDARD INSURANCE COMPANY | $13K | $6K | $20K | 4.04% |
| LOCKTON COMPANIES, LLC3 | 649 FIFTH AVENUE SOUTH SUITE 204 NAPLES, FL 34102 | STANDARD INSURANCE COMPANY | $0 | $16K | $16K | 3.31% |
| HRO PARTNERS3 | 855 WILLOW TREE CIRCLE, SUITE 100 CORDOVA, TN 38019 | STANDARD INSURANCE COMPANY | $14K | $0 | $14K | 2.93% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | DELTA DENTAL OF MISSOURI | $9K | $2K | $10K | 5.92% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | VISION BENEFITS OF AMERICA | $917 | $0 | $917 | 5.38% |
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 | 702 | 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) | 705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 436 | $4.8M |
| Dental | DELTA DENTAL OF MISSOURI | 588 | $176K |
| Vision | VISION BENEFITS OF AMERICA | 303 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 702 | $487K |
| Short-term disability | STANDARD INSURANCE COMPANY | 702 | $487K |
| Long-term disability | STANDARD INSURANCE COMPANY | 702 | $487K |
| Prescription drug | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 436 | $4.8M |
| Other | STANDARD INSURANCE COMPANY | 702 | $487K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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.