| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 8182 MARYLAND AVENUE ST. LOUIS, MT 63105 | DELTA DENTAL OF MISSOURI | $9K | — | $9K | 2.50% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | DELTA DENTAL OF MISSOURI | $2K | — | $2K | 0.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 8.29% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 8.28% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 8.28% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.55% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | VISION SERVICE PLAN | $1K | — | $1K | 2.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | P.O. BOX 905494 CHARLOTTE, NC 282915494 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $541 | — | $541 | 8.25% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $169 | — | $169 | 2.58% |
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 | 465 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 885 | $376K |
| Vision | VISION SERVICE PLAN | 364 | $45K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 456 | $156K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 465 | $74K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 465 | $62K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 456 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.