| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | $0 | $50K | 5.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 1.30% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $5K | $0 | $5K | 2.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 25.80% |
| CATHERINE M AULBACH3 Filed as: CATHERINE M. AULBACH | 840 FOXSPRINGS DRIVE CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.41% |
| RYAN L STOOKEY3 Filed as: RYAN L. STOOKEY | 1 METCALF DRIVE BELLEVILLE, IL 62223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.82% |
| BRYAN MURPHY3 Filed as: BRYAN J. MURPHY | 2436 CRIPPLE CREEK DRIVE SAINT LOUIS, MO 63129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $401 | $0 | $401 | 0.48% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY T. VANDEGRIFFE | 17934 HOMESTEAD BLUFFS DRIVE WILDWOOD, MO 63005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.09% |
| JOSHUA LEE JONES3 Filed as: JOSHUA L. JONES | 18032 DEERCLIFF COURT GLENCOE, MO 63038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.03% |
| JAY P HIGGINS3 Filed as: JAY P. HIGGINS | 3823 BENNINGTON LANE JEFF CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $181 | $181 | 18.68% |
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 | 1,361 | 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) | 1,361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,244 | $236K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,363 | $992K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,363 | $992K |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,363 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,363 | — |
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.