| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $30K | $30K | 3.53% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 4.94% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $753 | $753 | 1.13% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $3K | $11K | 19.37% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES INC. | 8220 DELMAR BLVD., SUITE 100 ST. LOUIS, MO 63124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 18.16% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 12.12% |
| NATHAN L HARRISON3 Filed as: NATHAN L. HARRSION | 16024 MANCHESTER RD., SUITE 111 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $295 | — | $295 | 1.20% |
| JOSHUA LEE JONES3 Filed as: JOSHUA L. JONES | 18032 DEERCLIFF COURT GLENCOE, MO 63038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.83% |
| TYSON C FUNK3 Filed as: TYSON C. FUNK | 917 CROWN POINT TERRACE CRT. WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.54% |
| JOHN A BACON3 Filed as: JOHN A. BACON | 1267 LEIGHTON HOLLOW DR. DARDENNE PRAIRIE, MO 63368 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.35% |
| JOHN MYERS3 | 16024 MANCHESTER ROAD ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.21% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $838K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 105 | $67K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 195 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $57K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $57K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $57K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.