| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $56K | $56K | 3.93% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 1.94% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 1.98% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 1.95% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $37K | — | $37K | 22.50% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $5K | $327 | $5K | 11.84% |
| LOCKTON COMPANIES, LLC3 | 111 E. KILBOURN AVE, SUITE 825 MILWAUKEE, WI 53202 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $590 | $590 | 1.29% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CTR DRIVE CHICAGO, IL 60693 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $82 | $82 | 0.18% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | $665 | — | $665 | 2.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 ADMINISTRATION | Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication Service code 12 | — | $863K |
| DELTA DENTAL OF KANSAS EIN 48-0793267 ADMINISTRATION | Contract Administrator Service code 13 | — | $54K |
| RXBENEFITS, INC. EIN 63-1157085 ADMINISTRATION | Contract Administrator Service code 13 | — | $21K |
| TABEN, LC EIN 48-1197135 ADMINISTRATION | Contract Administrator Service code 13 | — | $19K |
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 | 1,609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,153 | $170K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,609 | $265K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,609 | $210K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,609 | $280K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,238 | $1.4M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,609 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,238 | — |
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.