| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | BLUECROSS AND BLUESHIELD OF KANSAS CITY | $123K | $250K | $373K | 0.87% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $153K | $23K | $177K | 12.82% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 664184384 | VISION SERVICE PLAN | $31K | — | $31K | 4.59% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE COMPANY | $81K | — | $81K | 14.71% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | UNITED AMERICAN INSURANCE COMPANY | $16K | — | $16K | 2.94% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | $12K | $49K | 9.91% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | UNITED AMERICAN INSURANCE COMPANY | $7K | — | $7K | 2.76% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE COMPANY | $7K | — | $7K | 2.50% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.39% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD FARMINGTON, CT 06032 | ANTHEM LIFE INSURANCE COMPANY | $260 | — | $260 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MO EIN 43-0908349 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $171K |
| ADP CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 16011 COLLEGE BLVD, 110 913-492-4200 LENEXA, KS 66219 | $40K |
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 | 5,044 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 428 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS AND BLUESHIELD OF KANSAS CITY | 8,417 | $43.5M |
| Vision | VISION SERVICE PLAN | 3,062 | $679K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,443 | $1.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,129 | $498K |
| Prescription drug | UNITED AMERICAN INSURANCE COMPANY | 221 | $261K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,466 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,417 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.