| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSA | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $252K | $65K | $317K | 8.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - LOCKT | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97K | $0 | $97K | 2.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSAS | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $244K | $61K | $305K | 9.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - LOCKT | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | $0 | $92K | 2.76% |
| LOCKTON COMPANIES, LLC3 | FOUNDERS SERIES 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $98K | $0 | $98K | 3.22% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD STE 500 LEAWOOD, KS 662111887 | RELIASTAR LIFE INSURANCE COMPANY | $449K | $0 | $449K | 16.62% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY | $350K | $0 | $350K | 12.95% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 554860463 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $57K | $57K | 2.11% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 502653566 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $51K | $51K | 1.89% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | KAISER FOUNDATION HEALTH PLAN INC | $22K | $0 | $22K | 5.87% |
| ESIC CORPORATION3 | 5101 MOUNTVILLE RD STE B FREDERICK, MD 217037851 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 17.15% |
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 | 13,392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 287 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,979 | $17.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,841 | $112K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 6,021 | $631K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23,797 | $3.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,826 | $3.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,826 | $3.6M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23,797 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,797 | — |
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.