| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $532K | $15K | $547K | 9.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $62K | — | $62K | 3.22% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $13K | $18K | 1.20% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198K | — | $198K | 21.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114K | — | $114K | 12.45% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | $1K | $44K | 8.67% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $41K | — | $41K | 14.58% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | TRANSAMERICA INSURANCE CO. | $8K | — | $8K | 2.91% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $6K | — | $6K | 4.18% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ARAG SERVICES, LLC | $13K | — | $13K | 10.00% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $1K | $30K | 26.10% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS INC,DBA CORESTREAM | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| AGRI SERVICES AGENCY LLC3 | 5001 BRITTONFIELD PARKWAY EAST SYRACUSE, NY 13057 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 10.21% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $1K | $23K | 26.19% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC,DBACORESTREAM | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 20.00% |
| CORESTREAM3 | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| BERNITA A WARD3 | 248 RUSHINGTOWN ROAD TYLERTOWN, MS 39667 | TRANSAMERICA LIFE INSURANCE COMPANY | $293 | — | $293 | 11.03% |
| RACHEL A MCGREW3 | 103 HIDDEN LAKE ROAD FLORA, MS 39071 | TRANSAMERICA LIFE INSURANCE COMPANY | $76 | — | $76 | 2.86% |
| BRYAN D MASON3 | 1036 HICKORY PLACE WEIMAR, TX 78962 | TRANSAMERICA LIFE INSURANCE COMPANY | $16 | — | $16 | 0.60% |
| WILLIAM E RIALS3 | PO BOX 1012 SUMMIT, MS 39666 | TRANSAMERICA LIFE INSURANCE COMPANY | $11 | — | $11 | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CARE NETWORK EIN 38-2359234 ADMINISTRATOR | Contract Administrator Service code 13 | — | $451K |
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 DENTAL ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $159K |
| LIFE INSURANCE CO. OF NORTH AMERICA EIN 23-1503749 STD ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $112K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 EAP ADMINISTRATOR | Contract Administrator Service code 13 | — | $91K |
| HEALTHEQUITY INC. FSA/HSA ADMINISTRATOR | Contract Administrator Service code 13 | 15 W. SCENIC POINTE DRIVE DRAPER, UT 84020 | $33K |
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 | 5,355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 15,731 | $1.2M |
| Vision | VISION SERVICE PLAN | 9,211 | $1.9M |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,411 | $5.6M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 198 | $230K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,230 | $1.5M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 88 | $135K |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,248 | $842K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,731 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.