| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH AGNELLO3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PRIORITY HEALTH | $61K | — | $61K | 1.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $82K | — | $82K | 9.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MICHIGAN | 325 N OLD WOODWARD AVE, STE 370 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 2.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 1.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MICHIGAN | 325 N OLD WOODWARD AVE, STE 370 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | EYE MED VISION CARE | $4K | — | $4K | 9.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | EYE MED VISION CARE | $45 | — | $45 | 10.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $16K |
| LOCKTON COMPANIES, LLC AGENT/AGENCY | Insurance agents and brokers Service code 22 | 444 W 47TH ST, STE 900 KANSAS CITY, MO 64112 | $5K |
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 | 704 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 704 | $3.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 791 | $288K |
| Vision(2 contracts) | EYE MED VISION CARE | 674 | $36K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $943K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $874K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $874K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $967K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 791 | — |
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."
No prospect flags tripped on this filing.