| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBSNE | — | BLUECROSS BLUESHIELD OF NEBRASKA | $40K | $8K | $48K | 1.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DRIVE SUITE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.52% |
| VIRTUS LLC3 | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.88% |
| VIRTUS LLC3 Filed as: VIRTUS, LLC | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 11.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST LO | 15939 COLLECTION CENTER DRIVE C/O BANK OF AMERICA CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $775 | $9K | 10.42% |
| VIRTUS LLC3 Filed as: VIRTUS, LLC | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 11.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST LO | 15939 COLLECTION CENTER DRIVE C/O BANK OF AMERICA CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $642 | $7K | 10.46% |
| VIRTUS LLC3 Filed as: VIRTUS, LLC | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST LO | 15939 COLLECTION CENTER DRIVE C/O BANK OF AMERICA CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $348 | $4K | 10.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST LOUIS S | 15939 COLLECTION CENTER DRIVE C/O BANK OF AMERICA CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $706 | $6K | 21.39% |
| VIRTUS LLC3 Filed as: VIRTUS, LLC | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $294 | — | $294 | 0.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST LOUIS S | 15939 COLLECTION CENTER DRIVE C/O BANK OF AMERICA CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 19.24% |
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 | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 315 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 674 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 691 | $172K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 691 | $172K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $125K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $71K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $86K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF NEBRASKA | 324 | $2.5M |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 691 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.