| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | KANSAS CITY SERIES C/O COMMERCE BAN PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $517 | $690 | $1K | 0.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | P.O.BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 1.78% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQ STE 600 LA JOLLA, CA 92037 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 1.66% |
| LOCKTON COMPANIES, LLC | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 14.97% |
| LOCKTON COMPANIES, LLC | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $3K | $28K | 17.31% |
| LOCKTON COMPANIES, LLC3 | P.O.BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 17.14% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQ STE 600 LA JOLLA, CA 92037 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 2.20% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES, INC. | KANSAS CITY SERIES C/O COMMERCE BAN P O BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $483 | $8K | 14.60% |
| LOCKTON COMPANIES, LLC | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $158 | $111 | $269 | 6.85% |
| LOCKTON COMPANIES, LLC | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $144 | $65 | $209 | 7.42% |
| LOCKTON COMPANIES, LLC | KANSAS CITY SERIES C/O COMMERCE BAN P O BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $61 | $45 | $106 | 5.80% |
| LOCKTON COMPANIES, LLC | KANSAS CITY SERIES C/O COMMERCE BAN P O BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $138 | — | $138 | 9.97% |
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 | 1,227 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $462K |
| Long-term disability(10 contracts, 5 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 124 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.