| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850, DEPT 999228 DENVER, CO 80217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | — | $49K | 11.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $17K | $17K | 4.10% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN, SUITE 20 SYRACUSE, NY 13204 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 3.49% |
| UMR, INC.3 Filed as: UMR | 5151 PFEIFFER RD CINCINATTI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DR, STE 900 ST LOUIS, MO 63141 | UNION SECURITY INSURANCE COMPANY | $11K | $1K | $12K | 8.60% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN ST, SUITE 20 SYRACUSE, NY 13204 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 2.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DR, STE 900 ST LOUIS, MO 63141 | DELTA DENTAL OF MISSOURI | $8K | $160 | $9K | 8.75% |
| CROWN RISK MANAGEMENT, LLC3 | 432 NORTH FRANKLIN ST, SUITE 20 SYRACUSE, NY 13204 | DELTA DENTAL OF MISSOURI | $2K | — | $2K | 1.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFITS MGR | Float revenue; Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $283K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $163K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | PO BOX 505115 ST. LOUIS, MO 631505115 | $30K |
| CROWN RISK MANAGEMENT, LLC EIN 20-2318765 BROKER | Other commissions Service code 55 | 432 NORTH FRANKLIN ST, STE 20 SYRACUSE, NY 13204 | $9K |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 386 | $98K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 170 | $23K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 201 | $139K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 201 | $139K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 201 | $139K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $425K |
| Other | UNION SECURITY INSURANCE COMPANY | 201 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.