| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC (KC SERIES) | PO BOX 843844 KANSAS CITY, MO 64184 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $30K | — | $30K | 10.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $8K | $8K | 2.75% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICE PLAN | $4K | — | $4K | 2.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 2.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | STE 900 444 W 47TH STREET KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 12.44% |
| ZIMMERMAN, MICHAEL, J3 Filed as: ZIMMERMAN, MICHAEL J. | 11225 COLLEGE BLVD SUITE 105 OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 11.86% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 8.54% |
| LOCKTON COMPANIES, LLC3 | HOME OFFICE 444 W 47TH ST, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 5.97% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | — | $28K | 55.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 21.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 54.75% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 16.25% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 23.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $314 | — | $314 | 2.00% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: THE INSURANCE PARTNERS, LLC | 11225 COLLEGE BLVD. SUITE 105 OVERLAND PARK, KS 66210 | PETERSEN INTERNATIONAL UNDERWRITERS | $2K | — | $2K | 14.85% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PETERSEN INTERNATIONAL UNDERWRITERS | $2K | — | $2K | 14.85% |
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 | 2,473 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,129 | $172K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,820 | $284K |
| Long-term disability(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 467 | $100K |
| Other(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,820 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,820 | — |
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.