| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON BENEFIT COMPANY | 444 W 47TH ST, SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF KANSAS CITY | $141K | $250K | $391K | 0.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $73K | $73K | 1.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMP OF CANADA | $261K | — | $261K | 6.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | FOUR EVER LIFE INS CO | $47K | — | $47K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $80K | $6K | $85K | 20.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | $4K | $60K | 20.96% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $34K | — | $34K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $34K | — | $34K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES-KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $24K | $0 | $24K | 10.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 111 E KILBOURN AVE STE 825 MILWAUKEE, WI 53202 | METLIFE LEGAL PLANS | — | $2K | $2K | 0.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES-MOUNTAIN WEST | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $787 | $787 | 0.35% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $24K | — | $24K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE COMPANIES, LLC | 444 W. 47TH ST SUITE 900 KANSAS CITY, MO 64112 | FOUR EVER LIFE INS CO | $4K | — | $4K | 15.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT R. SWEATT II | 444 W. 47TH ST SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN LIFE INSURANCE CO | $2K | — | $2K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE AND HEALTH INSURANCE CO | — | — | $0 | 0.00% |
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 | 6,739 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 154 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF KANSAS CITY | 15,243 | $76.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 12,959 | $5.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 12,959 | $5.5M |
| Life insurance(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMP OF CANADA | 6,739 | $4.4M |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMP OF CANADA | 6,739 | $4.1M |
| Long-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMP OF CANADA | 6,739 | $4.1M |
| Other | METLIFE LEGAL PLANS | 1,171 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,243 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.