| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SUITE 900 444 W 47TH STREET KANSAS CITY, MO 64112 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.55% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $189 | $189 | 0.09% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | P O BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 14.95% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | P O BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 3.14% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | P O BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND INSURANCE COMPANY | $25K | $8K | $33K | 20.97% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND INSURANCE COMPANY | — | $4K | $4K | 2.26% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | P O BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 15.00% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | P O BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND INSURANCE COMPANY | $6K | $993 | $7K | 16.22% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND INSURANCE COMPANY | $532 | — | $532 | 1.16% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | P O BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 8.02% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | KANSAS CITY SERIES P O BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $336 | — | $336 | 2.15% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | P O BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $110 | $0 | $110 | 3.87% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | P O BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 4.75% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | P O BOX 843844 KANSAS CITY, MO 64184 | PROVIDENCE LIFE AND CASUALTY INSURANCE COMPANY | $24 | — | $24 | 1.42% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | P O BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $117 | — | $117 | 9.15% |
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 | 1,268 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,259 | $422K |
| Long-term disability(11 contracts, 6 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,259 | $885K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 1 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,259 | — |
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.