| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BCS INSURANCE COMPANY | $22K | — | $22K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SO CAROLINA EIN 57-0287419 NONE | Claims processing Service code 12 | — | $1.4M |
| NUESYNERGY NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 5325 FARAON SAINT JOSEPH, MO 64506 | $137K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Claims processing; Contract Administrator Service code 12 | — | $132K |
| LOCKTON BENEFIT SERVICES EIN 48-0763803 NONE | Consulting fees; Direct payment from the plan Service code 50 | — | $123K |
| THE COMMERCE TRUST COMPANY EIN 43-1492710 NONE | Shareholder servicing fees; Soft dollars commissions; Custodial (securities); Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Account maintenance fees Service code 19 | — | $27K |
| OPTUM RX STRATEGIES NONE | Claims processing; Direct payment from the plan Service code 12 | 5325 FARAON STREET SAINT JOSEPH, MO 64506 | $5K |
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 | 3,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,561 | $496K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 2,951 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,561 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.