| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 9.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W. BOY SCOUT BLVD. SUITE 200 TAMPA, FL 336075752 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1715 AARON BRENNER DRIVE SUITE 512 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $825 | $825 | 1.13% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W. BOY SCOUT BLVD. SUITE 200 TAMPA, FL 336075752 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $591 | — | $591 | 0.81% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | UNITEDHEALTHCARE INSURANCE COMPANY | $675 | — | $675 | 5.42% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W. BOY SCOUT BLVD. SUITE 200 TAMPA, FL 336075752 | UNITEDHEALTHCARE INSURANCE COMPANY | $472 | — | $472 | 3.79% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $73K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 124 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $80K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $80K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $80K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.