| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $10K | $42K | 6.61% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $52 | $28K | 5.64% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - MEMPHIS | P.O. BOX 505115 ST. LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | $5K | $63K | 19.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST. LOUIS | P.O. BOX 505115 ST. LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 2.69% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES INC. | 8630 DELMAR AVENUE, SUITE 100 ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $328 | $8K | 2.44% |
| DIRECTPATH, LLC3 | 120 18TH STREET S., SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1 | $6K | 2.01% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE OF TN | DIVISION OF REBSAMEN INS. P.O. BOX 2153 BIRMINGHAM, AL 35287 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - MEMPHIS | P.O. BOX 505115 ST. LOUIS, MO 631505115 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $2K | $25K | 25.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST. LOUIS | P.O. BOX 505115 ST. LOUIS, MO 631505115 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $180 | $2K | 2.04% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES INC. | 8630 DELMAR AVENUE, SUITE 100 ST. LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $52 | $2K | 1.91% |
| DIRECTPATH, LLC3 | 120 18TH STREET S., SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.49% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE OF TN | DIVISION OF REBSAMEN INS. P.O. BOX 2153 BIRMINGHAM, AL 35287 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $627 | — | $627 | 0.64% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | VISION SERVICE PLAN | $2K | — | $2K | 2.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - MEMPHIS | P.O. BOX 505115 ST. LOUIS, MO 631505115 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 45.25% |
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 | 712 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,581 | $495K |
| Vision | VISION SERVICE PLAN | 628 | $91K |
| Life insurance(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 870 | $1.1M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 712 | $642K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 712 | $642K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 870 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,581 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.