| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DRIVE SUITE 900 ST LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY | $32K | $5K | $38K | 11.69% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO., LLC-ST LOUIS SERIES | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $25K | $0 | $25K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO., LLC-ST LOUIS SERIES | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO., LLC-ST LOUIS SERIES | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO., LLC-ST LOUIS SERIES | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO., LLC-ST LOUIS SERIES | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO., LLC-ST LOUIS SERIES | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $750 | $750 | 4.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $259K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $206K |
| LOCKTON COMPANIES EIN 20-3354970 BROKER | Insurance agents and brokers Service code 22 | — | $22K |
| SAV-RX ADMIN | Claims processing Service code 12 | 224 NORTH PARK AVE FREMONT, NE 68025 | $1K |
| ONEDIGITAL (CLJM, LLC. DBA HM BENEF EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | -$100 |
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 | 797 | 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) | 797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 516 | $322K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 516 | $322K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 797 | $143K |
| Short-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 797 | $170K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $87K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 448 | $817K |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 797 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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.