| 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 | $47K | $160K | $208K | 2.37% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $3K | $30K | 6.15% |
| BENETEK CORPORATION3 | 4725 SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 0.66% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123036 DALLAS, TX 75312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 0.84% |
| SCHENK, ELIZABETH A3 Filed as: SCHENK, ELIZABETH | 4725 W SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $205 | — | $205 | 0.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 32059 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $667 | — | $667 | 2.34% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY SBLDG 2, SUITE 600 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $370 | — | $370 | 1.30% |
| JACOBSON ASSOCIATES INC3 | 5020 CENTRE AVENUE PITTSBURGH, PA 15213 | METROPOLITAN LIFE INSURANCE COMPANY | $246 | — | $246 | 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 | 0.11% |
| DAVID LINDSEY3 | 4444 ZION AVENUE, SUITE B SAN DIEGO, CA 92120 | METROPOLITAN LIFE INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | 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 | 679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 1,379 | $8.8M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 631 | $131K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 679 | $492K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 679 | $492K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 679 | $537K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,379 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.