| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSAS | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $17K | $61K | 7.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - LOCKTON | DEPARTMENT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 2.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSAS | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $10K | $35K | 7.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - LOCKTON | DEPARTMENT 3042 PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 2.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, MO 103142157 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $0 | $0 | $0 | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $0 | $0 | $0 | — |
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 | 1,292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 696 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 3,214 | $258K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,340 | $1.4M |
| Prescription drug | ANTHEM BLUE CROSS BLUE SHIELD | 367 | $681K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,354 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,214 | — |
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.