| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $200K | $226K | 5.27% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $12K | 5.01% |
| LOCKTON COMPANIES, LLC3 | 325 NORTH OLD WOODWARD AVENUE, SUITE 370 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.07% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $735 | $6K | 12.18% |
| LOCKTON COMPANIES, LLC3 | 325 NORTH OLD WOODWARD AVENUE, SUITE 370 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.25% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $430 | $4K | 12.53% |
| LOCKTON COMPANIES, LLC3 | 325 NORTH OLD WOODWARD AVENUE, SUITE 370 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.95% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM INSURANCE COMPANY | $3K | $375 | $3K | 12.35% |
| LOCKTON COMPANIES, LLC3 | 325 NORTH OLD WOODWARD AVENUE, SUITE 370 BIRMINGHAM, MI 48009 | UNUM INSURANCE COMPANY | $1K | — | $1K | 4.10% |
| LOCKTON COMPANIES, LLC3 | 325 NORTH OLD WOODWARD AVENUE, SUITE 370 BIRMINGHAM, MI 48009 | UNUM INSURANCE COMPANY | $1K | — | $1K | 6.84% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $930 | — | $930 | 4.98% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 EAST GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | UNUM INSURANCE COMPANY | $917 | — | $917 | 4.91% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM INSURANCE COMPANY | $594 | $198 | $792 | 4.24% |
| LOCKTON COMPANIES, LLC3 | 325 NORTH OLD WOODWARD AVENUE, SUITE 370 BIRMINGHAM, MI 48009 | UNUM INSURANCE COMPANY | $873 | — | $873 | 6.60% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $662 | — | $662 | 5.01% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 EAST GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | UNUM INSURANCE COMPANY | $642 | — | $642 | 4.86% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM INSURANCE COMPANY | $470 | $157 | $627 | 4.74% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVENUE, SUITE 600 SAN ANTONIO, TX 78216 | AMERITAS LIFE INSURANCE CORP. | $602 | — | $602 | 14.42% |
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 | 571 | 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) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 797 | $4.3M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 797 | $4.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 797 | $4.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 571 | $80K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 309 | $234K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 309 | $234K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 571 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.