| 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 | $26K | $4K | $30K | 1.56% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ANTHEM LIFE INSURANCE COMPANY | $18K | $1K | $20K | 12.15% |
| OTIS LONG3 | 705 WEST COLLEGE AVENUE FREDERICKTOWN, MO 63645 | AFLAC | $3K | $71 | $3K | 6.73% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | AFLAC | $3K | $0 | $3K | 6.30% |
| HAYS COMPANIES, INC.3 Filed as: MINDY E. HAYS AND OTHER AGENTS | 415 NORTH MAIN STREET MONROE CITY, MO 63456 | AFLAC | $817 | $38 | $855 | 2.12% |
| JAMES W MATTINGLY3 Filed as: JAMES W. MATTINGLY | 3998 COUNTY ROAD 448 DUDLEY, MO 63936 | AFLAC | $634 | $40 | $674 | 1.67% |
| LISA A KIRK3 Filed as: LISA A. KIRK | 145 LORWOOD LOOP PARMA, MO 63870 | AFLAC | $668 | $0 | $668 | 1.66% |
| GAYE S WRIGHT3 Filed as: GAYE S. WRIGHT | 2760 JAMES LANE SEDALIA, MO 65301 | AFLAC | $244 | $0 | $244 | 0.61% |
| BENJAMIN M PONDER3 Filed as: BENJAMIN M. PONDER | 339 BROADWAY STREET, SUITE 136 CAPE GIRARDEAU, MO 63701 | AFLAC | $232 | $0 | $232 | 0.58% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 336 | $1.9M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 336 | $1.9M |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 336 | $1.9M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 181 | $164K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 181 | $164K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 181 | $164K |
| Prescription drug | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 336 | $1.9M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 181 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.