| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO., LLC | PO BOX 505115 SAINT LOUIS, MO 63150 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO, LLC | PO BOX 505115 SAINT LOUIS, MO 63150 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO., LLC | PO BOX 505115 SAINT LOUIS, MO 63150 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 WEST MONROE SUITE 3400 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $17 | $1K | 1.27% |
| DIRECTPATH, LLC3 | 120 18TH STREET S SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $278 | $0 | $278 | 0.30% |
| DIRECTPATH, LLC3 | 120 18TH STREET S SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 5.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 WEST MONROE SUITE 3400 CHICAGO, IL 60661 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $588 | $17 | $605 | 0.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO., LLC | PO BOX 505115 SAINT LOUIS, MO 63150 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $804 | $804 | 2.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO, LLC | PO BOX 505115 SAINT LOUIS, MO 63150 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $567 | $567 | 2.48% |
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 | 1,269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 951 | $92K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,269 | $414K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 694 | $305K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 599 | $184K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,269 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,269 | — |
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.