| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 SAINT LOUIS, MO 63150 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 8.71% |
| ASSUREDPARTNERS3 | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 6.03% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | 8220 DELMAR BOULEVARD, SUITE 100 SAINT LOUIS, MO 63124 | CONTINENTAL AMERICAN INSURACE COMPANY | $9K | $0 | $9K | 12.05% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURACE COMPANY | $5K | $0 | $5K | 6.72% |
| ASSUREDPARTNERS3 | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | CONTINENTAL AMERICAN INSURACE COMPANY | $356 | $0 | $356 | 0.46% |
| JOSHUA LEE JONES3 Filed as: JOSHUA L. JONES | 18032 DEERCLIFF COURT GLENCOE, MO 63038 | CONTINENTAL AMERICAN INSURACE COMPANY | $184 | $0 | $184 | 0.24% |
| VANDEGRIFFE INCORPORATED3 | 1600 HERITAGE LANDING, SUITE 115 SAINT CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURACE COMPANY | $72 | $0 | $72 | 0.09% |
| JOHN MYERS3 | 16024 MANCHESTER ROAD ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURACE COMPANY | $47 | $0 | $47 | 0.06% |
| JOHN A BACON3 Filed as: JOHN A. BACON | 11630 WEST 158TH TERRACE OAKLAND PARK, KS 66221 | CONTINENTAL AMERICAN INSURACE COMPANY | $21 | $0 | $21 | 0.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 SAINT LOUIS, MO 63150 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 11.10% |
| ASSUREDPARTNERS3 | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 3.90% |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 152 | $78K |
| Vision | EYEMED | 233 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $76K |
| Short-term disability | CONTINENTAL AMERICAN INSURACE COMPANY | 251 | $77K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $76K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURACE COMPANY | 251 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.