| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | DEAN HEALTH PLAN INC. | $32K | — | $32K | 2.96% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | HIGHMARK INC. | $21K | — | $21K | 4.24% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.39% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $400 | — | $400 | 1.07% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | AETNA | $2K | — | $2K | 6.88% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $999 | — | $999 | 4.38% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $251 | — | $251 | 1.10% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $828 | — | $828 | 4.27% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $217 | — | $217 | 1.12% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | HUMANA INSURANCE COMPANY | $388 | — | $388 | 9.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $318 | — | $318 | 14.98% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $125 | — | $125 | 15.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14 | — | $14 | 15.56% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12 | — | $12 | 14.46% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10 | — | $10 | 15.15% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4 | — | $4 | 16.67% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DEAN HEALTH PLAN INC. | 196 | $1.6M |
| Dental | AETNA | 37 | $28K |
| Vision(2 contracts, 2 carriers) | HIGHMARK INC. | 60 | $510K |
| Life insurance(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 176 | $38K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 63 | $25K |
| Long-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 48 | $19K |
| Prescription drug | HIGHMARK INC. | 60 | $506K |
| Other(4 contracts, 2 carriers) | CURALINC HEALTHCARE | 180 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.