| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC. | $40K | $0 | $40K | 5.41% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $62K | $0 | $62K | 10.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMINISTRATION LLC PO BOX 310502 DES MOINES, IA 503310502 | RELIASTAR LIFE INSURANCE COMPANY | $101K | $0 | $101K | 22.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (KANSAS CITY) | 444 W 47TH STREET STE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $24K | $0 | $24K | 6.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET STE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $0 | $20K | 10.00% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $0 | $5K | 5.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - KC SERIES | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | $0 | $2K | 3.50% |
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 | 9,500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 119 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 120 | $868K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,187 | $387K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,187 | $387K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 11,807 | $605K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,955 | $446K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,422 | $204K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 120 | $868K |
| Other(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 11,807 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,807 | — |
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.