| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $20K | $57K | $77K | 0.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS | 12980 METCALF AVENUE, SUITE 500 OVERLAND PARK, KS 66213 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $28K | $45K | $73K | 0.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $4K | $15K | 2.77% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 2.56% |
| SCHENK, ELIZABETH A3 Filed as: SCHENK, ELIZABETH | 4725 SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 0.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 12980 METCALF AVENUE, SUITE 500 OVERLAND PARK, KS 66213 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.16% |
| SCHENK, ELIZABETH A3 Filed as: SCHENK, ELIZABETH | 4725 W SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 0.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER, KANSAS, INC. | 32059 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $604 | — | $604 | 2.30% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY SBLDG 2, SUITE 600 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $340 | — | $340 | 1.30% |
| JACOBSON ASSOCIATES INC3 | 5020 CENTRE AVENUE PITTSBURGH, PA 15213 | METROPOLITAN LIFE INSURANCE COMPANY | $226 | — | $226 | 0.86% |
| DISABILITY INSURANCE SVCS INC3 Filed as: DISABILITY INSURANCE SERVICES INC | 4444 ZION AVENUE, SUITE B SAN DIEGO, CA 92120 | METROPOLITAN LIFE INSURANCE COMPANY | $32 | — | $32 | 0.12% |
| DAVID LINDSEY3 | 4444 ZION AVENUE, SUITE B SAN DIEGO, CA 92120 | METROPOLITAN LIFE INSURANCE COMPANY | $21 | — | $21 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS | 12980 METCALF AVENUE, SUITE 500 OVERLAND PARK, KS 66213 | FOUR EVER LIFE INS. CO. | $388 | — | $388 | 14.99% |
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 | 655 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 1,362 | $9.0M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 632 | $123K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 655 | $556K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 655 | $556K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 741 | $600K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,362 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.