| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MIDWEST | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | UNITED HEALTHCARE INSURANCE COMPANY | — | $219K | $219K | 0.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MIDWEST | C/O BANK OF AMERICA CHICAGO, IL 60693 | DELTA DENTAL OF MISSOURI | $65K | — | $65K | 4.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $66K | $14K | $80K | 12.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14K | $14K | 3.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $2 | $34K | $34K | 15.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $6K | $34K | 18.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $4K | $20K | 12.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $4K | $29K | 22.73% |
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 | 1,741 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,591 | $22.8M |
| Dental | DELTA DENTAL OF MISSOURI | 3,451 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,425 | $219K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,723 | $593K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 552 | $288K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,741 | $663K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,451 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.