| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MIDWEST | C/O BANK OF AMERICA CHICAGO, IL 60693 | DELTA DENTAL OF MISSOURI | $47K | $14K | $62K | 4.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $73K | $17K | $90K | 12.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $16K | $16K | 3.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | $8K | $39K | 18.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $7K | $26K | 13.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38K | $5K | $43K | 22.90% |
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 | 1,919 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,919 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 3,667 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,459 | $235K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,912 | $616K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,919 | $734K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 689 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,667 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.