| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON BENEFIT COMPANY | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $8K | $6K | $14K | 2.16% |
| CANOPY GROUP INC3 Filed as: CANOPY, INC. | 10740 NALL STE 100 OVERLAND PARK, KS 66211 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $6K | $2K | $8K | 1.20% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KC | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $5K | — | $5K | 8.13% |
| CANOPY GROUP INC3 Filed as: CANOPY INC | 10740 NALL AVE STE 100 OVERLAND PARK, KS 66211 | USABLE LIFE | $5K | — | $5K | 7.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DRIVE SUITE 900 SAINT LOUIS, MO 63141 | USABLE LIFE | $2K | — | $2K | 3.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN INSURANCE | $683 | — | $683 | 6.59% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INC | 800 MAIN ST DUBUQUE, IA 52001 | VISION SERVICE PLAN INSURANCE | $80 | — | $80 | 0.77% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE STE 900 ST LOUIS, MO 63141 | USABLE LIFE | $189 | — | $189 | 6.90% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KC | 2301 MAIN ST KANSAS CITY, MO 64108 | USABLE LIFE | $99 | — | $99 | 3.61% |
| CANOPY GROUP INC3 Filed as: CANOPY INC | 10740 NALL AVE STE 100 OVERLAND PARK, KS 66211 | USABLE LIFE | $44 | — | $44 | 1.61% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 190 | $667K |
| Dental | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 190 | $667K |
| Vision | VISION SERVICE PLAN INSURANCE | 69 | $10K |
| Life insurance | USABLE LIFE | 112 | $67K |
| Short-term disability | USABLE LIFE | 112 | $67K |
| Long-term disability | USABLE LIFE | 112 | $67K |
| Other(2 contracts) | USABLE LIFE | 112 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.