| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $19K | $31K | 7.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC-KANSAS CITY | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | — | $54K | 25.80% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | STE 500 6363 COLLEGE BLVD OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | — | $53K | 25.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $5K | $11K | 9.22% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | STE 500 6363 COLLEGE BLVD OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $50K | — | $50K | 52.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC-KANSAS CITY | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, KS 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49K | — | $49K | 50.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $4K | $11K | 13.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC-KANSAS CITY | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 13.00% |
| BCINSOURCING, LLC3 | STE 500 6363 COLLEGE BLVD OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 12.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $1K | $2K | 6.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $899 | $2K | 13.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICA SELF-INSURED EIN 41-1479417 CLAIM PROCESSING | Claims processing Service code 12 | 401 CARLSON PARKWAY MINNETONKA, MN 55305 | $1.5M |
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 | 2,913 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DDMN ASO, LLC | 6,272 | $1.5M |
| Vision | VISION SERVICE PLAN | 2,236 | $386K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,922 | $607K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,922 | $121K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,922 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,272 | — |
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.
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.