| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR. STE 900 SAINT LOUIS, MO 631417088 | RELIASTAR LIFE INSURANCE COMPANY | $279K | $466K | $745K | 63.90% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD. WEST DES MOINES, IA 502653556 | RELIASTAR LIFE INSURANCE COMPANY | — | $105K | $105K | 9.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FOUR EVER LIFE INS CO. | $71K | — | $71K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $40K | $442 | $40K | 10.23% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | — | $7K | $7K | 1.88% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $4K | $4K | 0.94% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $50K | — | $50K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $280K | $15K | $295K | 105.36% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $38K | — | $38K | 20.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $28K | — | $28K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONWIDE | $7K | $2K | $8K | 12.19% |
| FRINGE BENEFIT SERVICES3 Filed as: FRINGE BENEFIT GROUP, INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | — | $4K | $4K | 5.30% |
| PHCS3 Filed as: MULTIPLAN, INC. | 535 EAST DIEHL ROAD NAPERVILLE, IL 60563 | NATIONWIDE | — | $1K | $1K | 1.62% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FOUR EVER LIFE INS CO. | $2K | — | $2K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32K | $32K | 1333.91% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CRUM & FORSTER | $76 | — | $76 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $7.6M |
| BUSINESSOLVER EIN 42-1503807 ADMINISTRATOR | Contract Administrator Service code 13 | — | $495K |
| VITALITY ADMINISTRATOR | Contract Administrator Service code 13 | 120 SOUTH RIVERSIDE, 400 CHICAGO, IL 60606 | $439K |
| CURALINC HEALTHCARE EIN 33-1206383 ADMINISTRATOR | Contract Administrator Service code 13 | — | $200K |
| SUN LIFE ASSURANCE CO. OF CANADA EIN 38-1082080 ADVICE TO PAY | Claims processing Service code 12 | — | $81K |
| LOCKTON COMPANIES, LLC EIN 90-0007886 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 8,299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 139 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | FOUR EVER LIFE INS CO. | 12,096 | $728K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 19,634 | $6.0M |
| Vision(2 contracts, 2 carriers) | SURENCY LIFE AND HEALTH | 6,666 | $851K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 7,252 | $334K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 7,252 | $334K |
| Prescription drug | NATIONWIDE | 49 | $69K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 19,713 | $5.3M |
| Other(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 9,895 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,713 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.