| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | 200 LIBERTY STREET FLOOR 6 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $159K | $68K | $227K | 4.29% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD STE 500 LEAWOOD, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $404K | — | $404K | 11.91% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $404K | — | $404K | 11.91% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD STE 500 LEAWOOD, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $119K | — | $119K | 3.49% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | RELIASTAR LIFE INSURANCE COMPANY | — | $25K | $25K | 0.75% |
| WILLIS TOWERS WATSON US LLC3 | 200 LIBERTY STREET FLOOR 6 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $79K | $23K | $102K | 3.86% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST STE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $48K | — | $48K | 5.49% |
| SYSTEMS INC, HEALTH & BENEFIT3 | 6363 COLLEGE BOULEVARD STE 500 OVERLAND PARK, KS 66211 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $48K | — | $48K | 5.49% |
| INC, AHA FINANCIAL SOLUTIONS3 | 155 N WACKER DR STE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $722 | — | $722 | 0.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST STE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $149K | — | $149K | 26.54% |
| SYSTEMS INC, HEALTH & BENEFIT3 | 6363 COLLEGE BOULEVARD STE 500 OVERLAND PARK, KS 66211 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $149K | — | $149K | 26.54% |
| WILLIS TOWERS WATSON US LLC3 | 200 LIBERTY STREET FLOOR 6 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $3K | $15K | 3.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST STE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $687 | — | $687 | 3.15% |
| SYSTEMS INC, HEALTH & BENEFIT3 | 6363 COLLEGE BOULEVARD STE 500 OVERLAND PARK, KS 66211 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $687 | — | $687 | 3.15% |
| INC, AHA FINANCIAL SOLUTIONS3 | 155 N WACKER DR STE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $42 | — | $42 | 0.19% |
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 | 13,420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 356 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15,776 | $6.7M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 458 | $381K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,122 | $2.6M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15,776 | $9.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,776 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.