| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | INDEPENDENCE BLUE CROSS | $98K | $0 | $98K | 4.94% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | UNITED CONCORDIA DENTAL | $11K | $0 | $11K | 8.49% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY SUITE 250 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $392 | $2K | 17.82% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | INDEPENDENCE BLUE CROSS | $525 | $0 | $525 | 4.98% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | SYMETRA LIFE INSURANCE COMPANY | $812 | $0 | $812 | 15.10% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $241 | $0 | $241 | 10.01% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 293 | $2.0M |
| Dental | UNITED CONCORDIA DENTAL | 315 | $135K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 298 | $13K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 136 | $5K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 293 | $2.0M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.