| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $11K | $11K | 4.26% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $8K | $8K | 4.27% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 4.27% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $3K | $13K | 26.71% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $3K | $10K | 27.00% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $654 | $2K | 14.22% |
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 | 833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 892 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,391 | $564K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,301 | $62K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 833 | $253K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 833 | $195K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 833 | $98K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 833 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,391 | — |
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."
No prospect flags tripped on this filing.