| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBSNE | — | BLUECROSS BLUESHIELD OF NEBRASKA | $33K | $6K | $38K | 13.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DRIVE SUITE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $73 | $6K | 4.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST LO | PO BOX 505115 C/O BANK OF AMERICA ST LOUIS, MO 63150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $923 | $15K | 20.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST LO | PO BOX 505115 C/O BANK OF AMERICA ST LOUIS, MO 63150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $724 | $12K | 19.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST LO | PO BOX 505115 C/O BANK OF AMERICA ST LOUIS, MO 63150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $345 | $6K | 21.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST LOUIS S | PO BOX 505115 C/O BANK OF AMERICA ST LOUIS, MA 63150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $887 | $6K | 23.51% |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 610 | $137K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 610 | $137K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $99K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $72K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF NEBRASKA | 280 | $293K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.