| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | HARTFORD LIFE AND ACCIDENT | $150K | — | $150K | 17.88% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | — | $23K | $23K | 2.74% |
| SELECT NETWORKS3 | 317 6TH AVENUE, #1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $17K | — | $17K | 11.01% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 10.01% |
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 | 2,417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK, INC. (WELLMARK BCBSIA) | 1,533 | $13.9M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,191 | $153K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,917 | $838K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,917 | $838K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,917 | $838K |
| Prescription drug | WELLMARK, INC. (WELLMARK BCBSIA) | 1,533 | $13.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,917 | $838K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,917 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.