| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNECT HEALTHCARE COLLABORATION3 | 5100 POPLAR AVE, 27 FLOOR MEMPHIS, TN 38137 | AMERICAN UNITED LIFE INSURANCE COMPANY | $31K | $49K | $80K | 11.75% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SERVICES INC. | 2415 E CAMELBACK RD SUITE 420 PHOENIX, AZ 85016 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR SUITE 900 SAINT LOUIS, MO 631417088 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $95 | $26K | 4.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.78% |
| LPL FINANCIAL CORP3 Filed as: LPL FINANCIAL CORP. | 4707 EXECUTIVE DR SAN DIEGO, CA 921213091 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 4.95% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES INC. | 8630 DELMAR AVE SUITE 100 ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $1K | $29K | 8.67% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 63150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $3K | $25K | 7.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 WEST MONROE SUITE 3400 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.49% |
| DIRECTPATH, LLC3 Filed as: DIRECT PATH, LLC | 120 18TH STREET S SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $444 | $0 | $444 | 0.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 2153 BIRMINGHAM, AL 35287 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45 | $0 | $45 | 0.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 63150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $1K | $11K | 9.50% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES INC. | 8630 DELMAR AVE SUITE 100 ST. LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $569 | $9K | 8.11% |
| JONATHAN SAMUEL SPETNER3 | 8630 DELMAR BLVD. SUITE 100 ST. LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.65% |
| DIRECTPATH, LLC3 Filed as: DIRECT PATH, LLC | 120 18TH STREET S SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.90% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE SUITE 3400 CHICAGO, IL 60661 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $903 | $0 | $903 | 0.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 2153 BIRMINGHAM, AL 35287 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $451 | $0 | $451 | 0.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 631505115 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DR CHICAGO, IL 606930159 | VISION SERVICE PLAN | $246 | $0 | $246 | 0.24% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES INC. | 8630 DELMAR AVE SUITE 100 ST. LOUIS, MO 63124 | FIRST UNUM LIFE INSURANCE COMPANY | $14 | $0 | $14 | 2.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 WEST MONROE SUITE 3400 CHICAGO, IL 60661 | FIRST UNUM LIFE INSURANCE COMPANY | $14 | $0 | $14 | 2.25% |
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 | 1,036 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,039 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,699 | $521K |
| Vision | VISION SERVICE PLAN | 760 | $103K |
| Life insurance(4 contracts, 4 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,036 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,036 | $797K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,036 | $680K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,036 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,699 | — |
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.
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.