| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | HARTFORD LIFE AND ACCIDENT | $216K | $64K | $280K | 20.29% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $216K | — | $216K | 15.68% |
| WEBTPA EMPLOYER SERVICES LLC5 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $76K | $76K | 5.53% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $49K | — | $49K | 4.39% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.42% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $53K | $6K | $60K | 22.18% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $53K | $6K | $60K | 22.18% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | MEDICA INSURANCE COMPANY | $8K | — | $8K | 5.27% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FIRST UNUM LIFE INSURANCE COMPANY | $4 | — | $4 | 44.44% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $4 | — | $4 | 44.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICA SELF-INSURED EIN 41-1479417 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $2.2M |
| THRIVEPASS ADMINISTRATOR | Contract Administrator Service code 13 | 3801 FRANKLIN STREET DENVER, CO 80205 | $175K |
| HARTFORD LIFE AND ACCIDENT EIN 06-0838648 STD ADMINISTRATOR | Contract Administrator Service code 13 | — | $126K |
| DDMN ASO, LLC EIN 41-1905554 DENTAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $91K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $73K |
| OPTUMINSIGHT, INC EIN 41-1858498 CLAIM PROCESSING | Claims processing Service code 12 | — | $12K |
| AIM HEALTHCARE SERVICES EIN 62-1451147 CLAIM PROCESSING | Claims processing Service code 12 | — | $5K |
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 | 4,215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,508 | $477K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 5,748 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,748 | $1.1M |
| Stop-loss / reinsurancereinsurance | MEDICA INSURANCE COMPANY | 6,924 | $152K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,748 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,924 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.