| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 CITY PLACE DRIVE SUITE 900 SAINT LOUIS, MO 63141 | AXIS INSURANCE COMPANY | $31K | $0 | $31K | 7.34% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | AXIS INSURANCE COMPANY | $14K | $0 | $14K | 3.29% |
| LOCKTON COMPANIES, LLC3 | 1715 AARON BRENNER DR SUITE 512 MEMPHIS, TN 38120 | BLUE CROSS BLUE SHIELD OF FLORIDA | $17K | $0 | $17K | 4.44% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 2202 N WEST SHORE BLVD SUITE 200 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $19K | $0 | $19K | 5.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ATTN BANK OF AMERICA PO BOX 505115 SAINT LOUIS, MO 631505115 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $73 | $4K | 2.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET FLOOR 6 SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $84 | $3K | 1.84% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SERVICES INC. | 5444 WESTHEIMER RD SUITE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DRIVE SUITE 900 SAINT LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $14K | $0 | $14K | 13.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | RELIASTAR LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.92% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 SAINT LOUIS, MO 631505115 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET FLOOR 6 SAN DIEGO, CA 921018156 | VISION SERVICE PLAN | $400 | $0 | $400 | 1.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DR CHICAGO, IL 606930159 | VISION SERVICE PLAN | $232 | $0 | $232 | 0.70% |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AXIS INSURANCE COMPANY | 1,481 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 647 | $182K |
| Vision | VISION SERVICE PLAN | 311 | $33K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 647 | $284K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 144 | $102K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 647 | $182K |
| Prescription drug | AXIS INSURANCE COMPANY | 1,481 | $422K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 647 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,481 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.