| 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 | — | $32K | 4.97% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $57 | $22K | 4.59% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.50% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES INC. | 8630 DELMAR AVENUE, SUITE 100 ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $82K | $3K | $85K | 27.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST. LOUIS | P.O. BOX 505115 ST. LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 5.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - MEMPHIS | P.O. BOX 505115 ST. LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.50% |
| DIRECTPATH, LLC3 | 120 18TH STREET S., SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.21% |
| 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 | $324 | — | $324 | 0.10% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES INC. | 8630 DELMAR AVENUE, SUITE 100 ST. LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $298 | $30K | 29.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST. LOUIS | P.O. BOX 505115 ST. LOUIS, MO 631505115 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $977 | $10K | 9.48% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER, JONATHAN, SAMUEL | 8630 DELMAR AVENUE, SUITE 100 ST. LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 6.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - MEMPHIS | P.O. BOX 505115 ST. LOUIS, MO 631505115 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.33% |
| DIRECTPATH, LLC3 | 120 18TH STREET S., SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.14% |
| 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 | $506 | — | $506 | 0.49% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | VISION SERVICE PLAN | $2K | — | $2K | 2.64% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES INC. | 8630 DELMAR AVENUE, SUITE 100 ST. LOUIS, MO 63124 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 86.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - MEMPHIS | P.O. BOX 505115 ST. LOUIS, MO 631505115 | FIRST UNUM LIFE INSURANCE COMPANY | $129 | — | $129 | 9.81% |
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 | 860 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 864 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,679 | $472K |
| Vision | VISION SERVICE PLAN | 684 | $92K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 860 | $747K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 860 | $746K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 860 | $642K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 988 | $954K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,679 | — |
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.