| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC | $346K | — | $346K | 2.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $20K | $20K | 1.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE, SUITE 300 OMAHA, NE 68114 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 1.30% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $84K | $15K | $99K | 18.72% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVELAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $84K | $15K | $99K | 18.72% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $128K | $21K | $149K | 33.96% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $128K | $21K | $149K | 33.96% |
| LOCKTON COMPANIES, LLC4 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $13K | — | $13K | 16.09% |
| HEALTH AND BENEFIT SYSTEMS, INC.4 Filed as: HEALTH AND BENEFIT SYSTEMS INC. | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $13K | — | $13K | 16.09% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $213 | — | $213 | 0.26% |
| ARISON ENTERPRISE LLP4 Filed as: ARISON ENTERPRISES LLP | 509 SOUTH 1ST STREET ATWOOD, KS 67730 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $125 | — | $125 | 0.15% |
| RONALD C NEALEIGH4 | 70463 ROAD 368 TRENTON, NE 69044 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $125 | — | $125 | 0.15% |
| PARRISH & ASSOCIATES4 Filed as: PARRISH AND ASSOCIATES | 4959 MEADOW BROOK ROAD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $71 | — | $71 | 0.09% |
| ALBERT ALIMBOYOGUEN4 | 18602 CLAY ROAD, LOT 184 HOUSTON, TX 77804 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | — | $23 | 0.03% |
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 | 5,059 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,086 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,503 | $13.0M |
| Vision | VISION SERVICE PLAN | 3,190 | $414K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,811 | $1.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,811 | $1.1M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 3,389 | $12.9M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 6,196 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,196 | — |
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.