| 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 | $84K | $17K | $100K | 12.00% |
| 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 | $9K | 12.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - MICHIGAN SERIES | 325 N OLD WOODWARD AVE STE 370 BIRMINGHAM, MI 48009 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $10K | $1K | $11K | 14.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - HOME | 444 W 47TH STE 400 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE | — | $739 | $739 | 0.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - MICHIGAN SERIES | 325 N OLD WOODWARD AVE STE 370 BIRMINGHAM, MI 48009 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $5K | $1K | $7K | 18.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - HOME | 444 W 47TH STE 400 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE | — | $765 | $765 | 2.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $614 | $4K | 14.00% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | 444 W 47TH STE 400 KANSAS CITY, MO 64112 | UNUM INSURANCE COMPANY | $5K | $533 | $5K | 22.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM INSURANCE COMPANY | $3K | $341 | $3K | 22.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | 444 W 47TH STE 400 KANSAS CITY, MO 64112 | UNUM INSURANCE COMPANY | $2K | $239 | $2K | 22.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 THIRD PARTY ADMINISTRATOR | Direct payment from the plan; Insurance services; Float revenue; Claims processing; Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 12 | — | $133K |
| ELAINE C COFFMAN AGENT/AGENCY | Other fees; Insurance brokerage commissions and fees; Other commissions; Non-monetary compensation; Insurance agents and brokers Service code 22 | 325 N OLD WOODWARD AVE STE 370 BIRMINGHAM, MI 48009 | $78K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $14K |
| LOCKTON COMPANIES, LLC AGENT/AGENCY | Insurance agents and brokers Service code 22 | 444 W 47TH ST, STE 900 KANSAS CITY, MO 64112 | $6K |
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 | 578 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 191 | $31K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $914K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $835K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $946K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD | 578 | $748K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $970K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.