| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 2.74% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $721 | $5K | 11.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 8.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $527 | $3K | 10.20% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $846 | $135 | $981 | 5.23% |
| USI INSURANCE SERVICES LLC3 | STE 200 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 0.93% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE LUKENS INC | DBA NEACE LUKENS 2305 RIVER RD LOUISVILLE, KY 40206 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.33% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC | STE 102 4990 EAST GALBRAITH RD CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.27% |
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY LLC | STE 200 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $372 | $3K | 18.46% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $595 | $3K | 19.62% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $156 | $19 | $175 | 3.99% |
| USI INSURANCE SERVICES LLC3 | STE 200 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $89 | — | $89 | 2.03% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE LUKENS INC | DBA NEACE LUKENS 2305 RIVER RD LOUISVILLE, KY 40206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38 | — | $38 | 0.87% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC | STE 102 4990 EAST GALBRAITH RD CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.39% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $407 | $61 | $468 | 13.78% |
| HORAN ASSOCIATES INC.4 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD CINCINNATI, OH 45236 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $82 | — | $82 | — |
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 480 | $153K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 465 | $34K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 461 | $59K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 64 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 376 | $41K |
| Other(5 contracts, 4 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 461 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.