| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 63150 | KAISER FOUNDATION HEALTH PLAN, INC. | $50K | $0 | $50K | 4.98% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $104K | $210 | $104K | 15.81% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD STE 200 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $987 | $16K | 2.48% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 1.51% |
| NAYYA HEALTH, INC.3 Filed as: NAYYA HEALTH INS CENTER SERVICES | 215 PARK AVE S FL 4 NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $621 | $0 | $621 | 0.09% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $108 | $108 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | UNITED CONCORDIA INSURANCE COMPANY | $36K | — | $36K | 6.93% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 63150 | KAISER FOUNDATION HEALTH PLAN, INC | $4K | $0 | $4K | 5.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONAL VISION ADMINISTRATORS, LLC | $6K | — | $6K | 10.00% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 11.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $0 | $238 | $238 | 0.72% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK RD SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $0 | $54 | $54 | 0.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | METLIFE LEGAL PLANS | $0 | $2 | $2 | 0.01% |
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 | 1,887 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,897 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 145 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,525 | $523K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 1,287 | $58K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,198 | $659K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,198 | $659K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,198 | $659K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 145 | $1.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,198 | $692K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,198 | — |
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.