| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $116K | $116K | 1.68% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $280K | $6K | $286K | 7.21% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $109K | $9K | $118K | 21.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FOUR EVER LIFE INS CO. | $54K | — | $54K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $70K | $6K | $76K | 21.20% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $34K | $1K | $36K | 10.51% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | — | $5K | $5K | 1.40% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $5K | $5K | 1.32% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $44K | — | $44K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $34K | — | $34K | 20.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $26K | — | $26K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONWIDE | $7K | $2K | $9K | 12.65% |
| FRINGE BENEFIT SERVICES3 Filed as: FRINGE BENEFIT GROUP, INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | — | $4K | $4K | 5.25% |
| PHCS3 Filed as: MULTIPLAN, INC. | 535 EAST DIEHL ROAD NAPERVILLE, IL 60563 | NATIONWIDE | — | $1K | $1K | 2.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FOUR EVER LIFE INS CO. | $3K | — | $3K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CRUM & FORSTER | $100 | — | $100 | 10.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $6.9M |
| BUSINESSOLVER EIN 42-1503807 ADMINISTRATOR | Contract Administrator Service code 13 | — | $450K |
| VITALITY ADMINISTRATOR | Contract Administrator Service code 13 | 120 SOUTH RIVERSIDE, 400 CHICAGO, IL 60606 | $393K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 ADMINISTRATOR | Contract Administrator Service code 13 | — | $293K |
| SUN LIFE ASSURANCE CO. OF CANADA EIN 38-1082080 ADVICE TO PAY | Claims processing Service code 12 | — | $72K |
| LOCKTON COMPANIES, LLC EIN 90-0007886 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 7,677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | FOUR EVER LIFE INS CO. | 6,299 | $920K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 15,948 | $6.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 15,948 | $6.9M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,299 | $4.0M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,299 | $4.0M |
| Prescription drug | NATIONWIDE | 40 | $75K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 18,533 | $5.2M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,854 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,533 | — |
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.