| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | AXIS INSURANCE COMPANY | $155K | — | $155K | 13.99% |
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DR STE 900 SAINT LOUIS, MO 631417088 | RELIASTAR LIFE INSURANCE COMPANY | $104K | — | $104K | 12.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SUITE 1200 2100 ROSS AVENUE DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 5.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SUITE 900 3 CITY PLACE DRIVE ST LOUIS, MO 63141 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 1.93% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $54 | $54 | 0.01% |
| LOCKTON COMPANIES, LLC3 | ST LOUIS SERIES C/O BANK OF AMERICA PO BOX 505115 SAINT LOUIS, MO 63150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $119K | $26K | $146K | 22.91% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 SAINT LOUIS, MO 631505115 | VISION SERVICE PLAN | $18K | — | $18K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: ST.LOUIS SERIES OF LOCKTON CO, LLC | C/O BANK OF AMERICA P.O.BOX 505115 SAINT LOUIS, MO 63150 | HYATT LEGAL PLANS | $4K | — | $4K | 9.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 111 E. KILBOURN AVE, STE 825 MILWAUKEE, WI 53202 | HYATT LEGAL PLANS | — | $482 | $482 | 1.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO'S - KANSAS CITY SERIES | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | HYATT LEGAL PLANS | — | $143 | $143 | 0.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | HYATT LEGAL PLANS | — | $140 | $140 | 0.33% |
| LOCKTON COMPANIES, LLC3 | CHICAGO SERIES 15939 COLLECTION CTR DRIVE CHICAGO, IL 60693 | HYATT LEGAL PLANS | — | $87 | $87 | 0.20% |
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 | 23,563 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AXIS INSURANCE COMPANY | 1,034 | $1.1M |
| Dental | AETNA LIFE INSURANCE CO. | 2,859 | $886K |
| Vision | VISION SERVICE PLAN | 2,958 | $356K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,800 | $865K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,944 | $712K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,944 | $712K |
| Prescription drug | AXIS INSURANCE COMPANY | 1,034 | $1.1M |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS AND BLUE SHIELD | 3,862 | $271K |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,327 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,862 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.