| 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 | $138K | $250K | $388K | 0.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $76K | $76K | 1.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMP OF CANADA | $316K | — | $316K | 8.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $81K | $6K | $87K | 19.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | FOUR EVER LIFE INS CO | $33K | — | $33K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $4K | $61K | 20.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES-KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $27K | — | $27K | 10.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES-MOUNTAIN WEST | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $3K | $3K | 1.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 111 E KILBOURN AVE STE 825 MILWAUKEE, WI 53202 | METLIFE LEGAL PLANS | — | $4 | $4 | 0.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $38K | — | $38K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | — | — | $0 | 0.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $31K | — | $31K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $23K | — | $23K | 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% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | DELAWARE 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% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TABEN GROUP EIN 48-1197135 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $122K |
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 | 6,701 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 224 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,925 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF KANSAS CITY | 15,297 | $73.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 13,086 | $5.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 13,086 | $5.4M |
| Life insurance(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMP OF CANADA | 6,701 | $4.4M |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMP OF CANADA | 6,701 | $3.9M |
| Long-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMP OF CANADA | 6,701 | $4.0M |
| Other | METLIFE LEGAL PLANS | 1,215 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,297 | — |
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."
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.