| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $2K | $26K | 16.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $11K | $15K | 9.53% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $6K | $32K | 21.48% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $18K | $18K | 12.34% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $3K | $11K | 21.61% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 10.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $3K | $8K | 16.47% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 8.56% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $629 | $899 | $2K | 5.27% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $212 | $152 | $364 | 7.01% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $155 | $82 | $237 | 8.16% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $57 | $46 | $103 | 6.10% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $126 | — | $126 | 9.98% |
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 | 1,226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,137 | $201K |
| Long-term disability(11 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,137 | $637K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,137 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.