| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $85K | — | $85K | 13.71% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $7K | $25K | 7.20% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | 4.48% |
| LOCKTON COMPANIES, LLC3 | 111 E KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 2.94% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 5.62% |
| LOCKTON COMPANIES, LLC3 | 111 E KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 5.03% |
| LOCKTON COMPANIES, LLC3 | 111 E KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.11% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.16% |
| LOCKTON COMPANIES, LLC3 | 111 E KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.48% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $7K | — | $7K | 9.16% |
| LOCKTON COMPANIES, LLC3 | 111 E KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | MUTUAL OF OMAHA INSURANCE COMPANY | $336 | — | $336 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $719K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | — | $0 |
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 | 1,146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,372 | $345K |
| Vision | VISION SERVICE PLAN | 542 | $79K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,146 | $137K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 887 | $204K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 887 | $115K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,823 | $618K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,146 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,823 | — |
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.