| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | UNITEDHEALTHCARE INSURANCE COMPANY | $71K | $6K | $77K | 3.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON AFFINITY LLC | 7300 COLLEGE BLVD., SUITE 500 OVERLAND PARK, KS 66210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $4K | $23K | 9.86% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $15K | 6.17% |
| TRANSCEND TECHNOLOGIES GROUP, INC.3 | 1650 SAMANTHA CREST TRAIL RENO, NV 89523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.43% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | UNION SECURITY INSURANCE COMPANY | $6K | $2K | $9K | 6.79% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $3K | — | $3K | 3.29% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | AXIS INSURANCE COMPANY | $2K | — | $2K | 9.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON AFFINITY LLC | 7300 COLLEGE BLVD., SUITE 500 OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $645 | $6K | 51.61% |
| TRANSCEND TECHNOLOGIES GROUP, INC.3 | 1650 SAMANTHA CREST TRAIL RENO, NV 89523 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $419 | — | $419 | 3.87% |
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 | 472 | 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) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 486 | $2.1M |
| Dental | UNION SECURITY INSURANCE COMPANY | 338 | $127K |
| Vision | UNION SECURITY INSURANCE COMPANY | 338 | $127K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $247K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $247K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $236K |
| Prescription drug | AXIS INSURANCE COMPANY | 27 | $17K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.