| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $119K | $14K | $132K | 10.61% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $119K | $13K | $132K | 10.56% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67K | $8K | $75K | 14.09% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67K | $8K | $75K | 14.02% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET, SUITE 207 MT. PLEASANT, SC 29466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $61K | — | $61K | 14.90% |
| BENEFIT COMMUNICATION INSOURCING3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $38K | — | $38K | 9.58% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $30K | — | $30K | 7.50% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $9K | $35K | 13.63% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34K | — | $34K | 17.12% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34K | — | $34K | 17.12% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $708 | $69 | $777 | 21.98% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $708 | $65 | $773 | 21.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $3.7M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.1M |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | — | $14K |
| VOYA FINANCIAL EAP ADMINISTRATOR | Contract Administrator Service code 13 | 20 WASHINGTON AVENUE S MINNEAPOLIS, MN 55401 | $8K |
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 | 3,052 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,282 | $255K |
| Life insurance(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 4,463 | $2.1M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 3,288 | $1.3M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,463 | $409K |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 4,463 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,463 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.