| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 4.94% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK RD 3RD FL FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 1.73% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK RD 3RD FL FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 14.09% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 WEST 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 10.91% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF KANSAS CITY EIN 43-1257251 ADMINISTRATOR | Contract Administrator Service code 13 | — | $373K |
| TRIA HEALTH, LLC EIN 27-1515235 ADMINISTRATOR | Claims processing Service code 12 | — | $67K |
| FURTHER OPERATIONS, LLC EIN 52-2383166 ADMINISTRATOR | Contract Administrator Service code 13 | — | $8K |
| P&A GROUP ADMINISTRATOR | Contract Administrator Service code 13 | 6400 MAIN STREET, 210 716-362-5402 WILLIAMSVILLE, NY 14221 | $7K |
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 | 1,114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 705 | $465K |
| Vision | VISION SERVICE PLAN | 720 | $100K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,114 | $359K |
| Long-term disability | STANDARD INSURANCE COMPANY | 591 | $143K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,114 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,114 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.