| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 41843 | HARTFORD LIFE AND ACCIDENT | $19K | $0 | $19K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 4.31% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $1K | $11K | 11.88% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $582 | $582 | 0.62% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 41843 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $8K | $0 | $8K | 9.11% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 41843 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 25.00% |
| TAMARA L RAYMOND4 Filed as: TAMARA L. RAYMOND | 12343 WEST MCSHANE ROAD FRANKLIN, MO 53132 | PRE-PAID LEGAL INC DBA LEGAL SHIELD | $888 | $0 | $888 | 6.80% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL INC DBA LEGAL SHIELD | $547 | $0 | $547 | 4.19% |
| ROXANE R CHMIELEWSKI4 Filed as: ROXANE R. CHMIELEWSKI | 2406 SOUTH 74TH STREET WEST ALLIS, MO 53219 | PRE-PAID LEGAL INC DBA LEGAL SHIELD | $28 | $0 | $28 | 0.21% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $629 | $0 | $629 | 20.01% |
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 | 1,003 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,007 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 835 | $92K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,003 | $126K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,003 | $94K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,003 | $94K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 1,003 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,003 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.