| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $28K | $58K | $86K | 0.64% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC | 8182 MARYLAND AVENUE, SUITE 250 ST LOUIS, MO 63105 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.05% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | $70 | $64K | 8.33% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC | 8182 MARYLAND AVENUE, SUITE 250 ST LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $5K | $17K | 2.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $186 | $186 | 0.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METLIFE LEGAL PLANS OF FLORIDA | $3K | $0 | $3K | 9.57% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $261 | $261 | 0.94% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC | 8182 MARYLAND AVENUE, SUITE 250 ST LOUIS, MO 63105 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $181 | $181 | 0.65% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $79 | $79 | 0.29% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8182 MARYLAND AVENUE, SUITE 250 ST LOUIS, MO 63105 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $20 | $20 | 0.07% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN GENERAL INSURANCE COMPANY | $229 | $0 | $229 | — |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $79 | $79 | — |
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 | 1,461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2,148 | $13.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,148 | $13.4M |
| Vision | AETNA LIFE INSURANCE COMPANY | 2,148 | $13.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,184 | $766K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,184 | $766K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,184 | $766K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 2,148 | $13.4M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 2,184 | $14.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,184 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.