| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $118K | — | $118K | 4.23% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S. RIVERSIDE PLAZA, SUITE 1100 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $57K | $82K | 2.96% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $33K | $33K | 1.17% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $24K | $24K | 0.86% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 200 DALLAS, TX 75201 | UNIMERICA INSURANCE COMPANY | $87K | — | $87K | 5.00% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S. RIVERSIDE PLAZA, SUITE 1100 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $29K | $42K | 3.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 1.16% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $76K | — | $76K | 20.00% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 W 110TH STREET, SUITE 210 OVERLAND PARK, KS 66210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $19K | $19K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | $2K | $28K | 11.49% |
| BOWLING, RYAN, L3 Filed as: BOWLING, RYAN L | 8575 WEST 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 2.55% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.97% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 2000 CHAPEL VIEW BOULEVARD, SUITE 240 CRANSON, RI 02920 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $787 | $787 | 0.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 20.00% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 W 110TH STREET, SUITE 210 OVERLAND PARK, KS 66210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $11K | $11K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | — | $40K | 20.00% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 W 110TH STREET, SUITE 210 OVERLAND PARK, KS 66210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $11K | $1K | $12K | 10.30% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $687 | $687 | 0.59% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $115 | $115 | 0.10% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $11 | $11 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21K | $21K | 25.79% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.90% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $183 | — | $183 | 0.92% |
| RYAN BOWLING3 Filed as: RYAN L BOWLING | 8575 W 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | FIRST UNUM LIFE INSURANCE COMPANY | $108 | — | $108 | 0.54% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ACE AMERICAN INSURANCE COMPANY | — | $127 | $127 | 1.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 HEALTH AND DENTAL ADMIN. | Participant communication; Claims processing; Other services; Float revenue; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $3.0M |
| EYEMED VISION CARE EIN 86-0773195 VISION ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $473K |
| LINCOLN NATIONAL LIFE INSURANCE CO. EIN 35-0472300 STD ADMINISTRATOR | Contract Administrator Service code 13 | — | $222K |
| EVERNORTH CARE SOLUTIONS, INC. EIN 86-1465626 EAP ADMINISTRATOR | Claims processing; Participant communication; Direct payment from the plan; Contract Administrator Service code 12 | — | $77K |
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 | 5,096 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 151 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 466 | $81K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,096 | $3.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,114 | $1.4M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 3,884 | $1.8M |
| Other(6 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,096 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,114 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.