| 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 | $100K | — | $100K | 3.99% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S. RIVERSIDE PLAZA, SUITE 1100 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $68K | $68K | 2.71% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $68K | $68K | 2.71% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $60K | $60K | 2.40% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S. RIVERSIDE PLAZA, SUITE 1100 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $40K | $40K | 3.03% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $40K | $40K | 3.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $30K | $30K | 2.28% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CALIFORNIA PHYSICIANS' SERVICE | — | $7 | $7 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $91K | $9K | $100K | 22.02% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 W 110TH STREET, SUITE 210 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $23K | $23K | 4.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56K | $6K | $62K | 21.91% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 W 110TH STREET, SUITE 210 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $14K | $14K | 4.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | $6K | $56K | 22.21% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 W 110TH STREET, SUITE 210 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 5.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $4K | $24K | 10.50% |
| BOWLING, RYAN, L3 | 8575 WEST 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.90% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD, STE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.32% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 401 S. MOUNT JULIET, SUITE 235 PMB 184 MT.JULIET, TN 37076 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $592 | $592 | 0.26% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 23.54% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 9.24% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $272 | — | $272 | 1.24% |
| RYAN BOWLING3 Filed as: RYAN L BOWLING | 8575 W 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | FIRST UNUM LIFE INSURANCE COMPANY | $205 | — | $205 | 0.93% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ACE AMERICAN INSURANCE COMPANY | — | $268 | $268 | 2.25% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | — | $2K | 17.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 HEALTH AND DENTAL ADMIN | Contract Administrator; Other services; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan Service code 12 | — | $3.2M |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 EAP ADMINISTRATOR | Contract Administrator; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $104K |
| EYEMED VISION CARE EIN 86-0773195 VISION ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $95K |
| LINCOLN NATIONAL LIFE INSURANCE CO. EIN 35-0472300 LEAVE ADMINISTRATOR | Contract Administrator Service code 13 | — | $87K |
| LOCKTON COMPANIES, LLC BROKER | Insurance agents and brokers Service code 22 | PO BOX 123042 DALLAS, TX 75312 | $0 |
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 | 5,187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 144 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 89 | $914K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 572 | $107K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,187 | $2.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,179 | $1.3M |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 89 | $914K |
| Other(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,065 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,187 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.