| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF KANSAS CITY | $36K | $152K | $188K | 2.30% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KANSAS, INC. | $22K | — | $22K | 6.39% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KANSAS, INC. | $10K | — | $10K | 6.39% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 7.37% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 12.73% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $19K | — | $19K | 21.70% |
| WEX HEALTH, INC.3 | 82 HOPMEADOW STREET, SUITE 220 WEATOGUE, CT 06089 | RELIASTAR LIFE INSURANCE COMPANY | — | $2K | $2K | 2.67% |
| BENEFIT EXPRESS SERVICES LLC3 Filed as: BENEFIT EXPRESS SERVICES, LLC | 1700 EAST GOLF ROAD, SUITE 1000 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 1.33% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $7K | 8.76% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 9.33% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EYEMED VISION CARE | $7K | — | $7K | 9.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HBS FLEX, INC. ADMINISTRATOR | Contract Administrator Service code 13 | 10800 FARLEY ST, STE 245 913-652-2030 OVERLAND PARK, KS 66210 | $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 | 786 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 1,323 | $8.2M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 339 | $499K |
| Vision | EYEMED VISION CARE | 1,128 | $67K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 786 | $175K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $119K |
| Prescription drug | BLUECROSS BLUESHIELD OF KANSAS CITY | 1,323 | $8.2M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF KANSAS CITY | 1,323 | $8.2M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 786 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,323 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.