| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | SECURIAN LIFE INSURANCE COMPANY | — | $16K | $16K | 2.81% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 0.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | SECURIAN LIFE INSURANCE COMPANY | — | $943 | $943 | 2.79% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD STE 100 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 28.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DR STE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $319 | $71 | $390 | 10.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20 | $20 | 0.56% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD STE 100 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $794 | — | $794 | 28.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DR STE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $244 | $71 | $315 | 11.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.53% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD STE 100 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $648 | — | $648 | 28.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DR STE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $199 | $71 | $270 | 11.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DR STE 900 SAINT LOUIS, MO 63141 | METLIFE LEGAL PLANS | $235 | — | $235 | 13.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET STE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | — | $71 | $71 | 4.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES-MNTN WEST SERIES | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $21 | $21 | 1.25% |
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 | 2,767 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 30 | $5K |
| Vision | VISION SERVICE PLAN | 1,019 | $156K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 1,337 | $567K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 729 | $289K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 729 | $289K |
| Other(4 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 2,767 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,767 | — |
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."
No prospect flags tripped on this filing.