| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SURENCY LIFE AND HEALTH | $15K | — | $15K | 7.39% |
| FMLA SOURCE INC5 | 455 NORTH CITYFRONT PLAZA DRIVE, 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $17K | $17K | 10.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 5700 WEST 112TH STREET, SUITE 100 OVERLAND PARK, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 4.43% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 2.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.2M |
| DELTA DENTAL OF KANSAS, INC EIN 48-0793267 ADMINISTRATOR | Contract Administrator Service code 13 | — | $103K |
| SURENCY LIFE & HEALTH INSURANCE EIN 26-1969006 ADMINISTRATOR | Contract Administrator Service code 13 | — | $43K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 ADMINISTRATOR | Contract Administrator Service code 13 | — | $40K |
| ELIXIR EIN 90-1011712 ADMINISTRATOR | Contract Administrator Service code 13 | — | $14K |
| WEX HEALTH INC. EIN 06-1593514 ADMINISTRATOR | Contract Administrator Service code 13 | — | $9K |
| FMLA SOURCE INC ADMINISTRATOR | Contract Administrator Service code 13 | 455 N CITYFRONT PLAZA DR. CHICAGO, IL 60611 | $0 |
| UNITED OF OMAHA LIFE INSURANCE CO ADMINISTRATOR | Contract Administrator Service code 13 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | $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 | 2,140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SURENCY LIFE AND HEALTH | 3,998 | $207K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,140 | $266K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,140 | $329K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,140 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,998 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.