| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $91K | $18K | $109K | 12.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - MICHIGAN | 325 N. OLD WOODWARD AVE STE 370 BIRMINGHAM, MI 48009 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $20K | $16K | $36K | 41.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE | — | $10K | $10K | 11.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 12.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES MICHIGAN | 325 N. OLD WOODWARD AVE STE 370 BIRMINGHAM, MI 48009 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $9K | $7K | $17K | 41.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE | — | $4K | $4K | 11.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $2K | $6K | 17.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM INSURANCE COMPANY | $5K | $511 | $5K | 22.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 21.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM INSURANCE COMPANY | $3K | $352 | $3K | 22.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM INSURANCE COMPANY | $2K | $233 | $2K | 22.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 THIRD PARTY ADMINISTRATOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $249K |
| ELAINE C COFFMAN AGENT/AGENCY | Insurance agents and brokers; Other fees; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 600 WOODWARD AVE STE 370 BIRMINGHAM, MI 48009 | $86K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $16K |
| LOCKTON COMPANIES, LLC AGENT/AGENCY | Other commissions; Other fees; Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 444 W 47TH ST, STE 900 KANSAS CITY, MO 64112 | $15K |
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 | 773 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 234 | $34K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $990K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $911K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $1.0M |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.