| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $95 | $12K | 20.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST., SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $743 | $743 | 1.29% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 417484 BOSTON, MA 022417484 | AETNA LIFE INSURANCE COMPANY | $5K | $980 | $6K | 11.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON AFFINITY LLC | 7300 COLLEGE BLVD., SUITE 500 OVERLAND PARK, KS 66210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 34.78% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | HIGHMARK, INC. | $2K | — | $2K | 14.74% |
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 | 527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 268 | $54K |
| Vision | HIGHMARK, INC. | 234 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 527 | $57K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 527 | $57K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 527 | $57K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 527 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.