| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 609 SAN FRANCISCO, MO 94111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $153 | $2K | 0.11% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DRIVE WILMINGTON, MO 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $121 | $1K | 0.06% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE ROAD, SUITE 206 ROSWELL, MO 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $103 | $1K | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, MO 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 609 SAN FRANCISCO, MO 94111 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $108 | $2K | 8.33% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DRIVE WILMINGTON, MO 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $992 | $81 | $1K | 4.41% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE ROAD, SUITE 206 ROSWELL, MO 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $959 | $67 | $1K | 4.21% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.14% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, MO 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.06% |
| MARY THERESA FISHER4 | 898 UNION CHURCH ROAD TOWSEND, DE 19734 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $5K | $0 | $5K | 24.09% |
| LOCKTON COMPANIES, LLC4 | 1801 K STREET, NW WASHINGTON, DC 20006 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $4K | $0 | $4K | 16.01% |
| AMBERLY PARK ASSOCIATION INC.4 | 2605 SANDY PLAINS ROAD SUITE 240-244 MARIETTA, GA 30066 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $79 | $0 | $79 | 0.36% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $67 | $0 | $67 | 0.30% |
| CHRISTIAN F. ROGNER4 Filed as: CHRISTIAN F ROGNER | PO BOX 1318 LEWISBURG, WV 24901 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $42 | $0 | $42 | 0.19% |
| HIGH POINT ALLIANCE4 | 1119 EAST BIRCHBROOK CIRCLE COTTONWOOD HEIGHTS, UT 84047 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $21 | $0 | $21 | 0.10% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 609 SAN FRANCISCO, CA 94111 | FIRST UNUM LIFE INSURANCE COMPANY | $17 | $0 | $17 | 2.37% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE ROAD, SUITE 206 ROSWELL, GA 30075 | FIRST UNUM LIFE INSURANCE COMPANY | $8 | $0 | $8 | 1.11% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DRIVE WILMINGTON, NC 28405 | FIRST UNUM LIFE INSURANCE COMPANY | $8 | $0 | $8 | 1.11% |
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 | 1,347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,136 | $190K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,361 | $2.0M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 79 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,361 | $2.0M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,472 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,472 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.