| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST SUITE 660 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $36K | $167K | $203K | 2.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843884 | THE STANDARD INSURANCE COMPANY LONG TERM DISABILITY | $8K | — | $8K | 4.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 999228 PO BOX 173850 DENVER, CO 802173850 | THE STANDARD INSURANCE COMPANY LONG TERM DISABILITY | $3K | — | $3K | 1.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843884 | THE STANDARD INSURANCE COMPANY LIFE INSURANCE | $6K | — | $6K | 4.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 999228 PO BOX 173850 DENVER, CO 802173850 | THE STANDARD INSURANCE COMPANY LIFE INSURANCE | $3K | — | $3K | 1.66% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICES PLAN | $2K | — | $2K | 2.80% |
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 | 534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 1,119 | $7.9M |
| Dental | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 1,119 | $7.9M |
| Vision | VISION SERVICES PLAN | 347 | $85K |
| Life insurance | THE STANDARD INSURANCE COMPANY LIFE INSURANCE | 505 | $157K |
| Long-term disability | THE STANDARD INSURANCE COMPANY LONG TERM DISABILITY | 505 | $192K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 1,119 | $7.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,119 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.