| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | KEYSTONE | $89K | $0 | $89K | 4.87% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | UNITED CONCORDIA INSURANCE COMPANY | $14K | $0 | $14K | 9.94% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | AMERIHEALTH INSURANCE COMPANY | $2K | $0 | $2K | 2.16% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | INDEPENDENCE BLUE CROSS | $226 | $0 | $226 | 2.06% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | SYMETRA LIFE INSURANCE COMPANY | $799 | $0 | $799 | 14.98% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $454 | $174 | $628 | 20.77% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE | 294 | $1.9M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 347 | $141K |
| Vision | INDEPENDENCE BLUE CROSS | 302 | $11K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 139 | $5K |
| Prescription drug(2 contracts, 2 carriers) | KEYSTONE | 294 | $1.9M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 93 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.