| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $67K | $216K | $283K | 2.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $9K | $39K | 6.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 641843844 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 11.69% |
| MARC ALAN HOLLABAUGH3 | 6701 W 64TH ST STE 312 OVERLAND PARK, KS 66202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $203 | $4K | 6.71% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $258 | $3K | 4.66% |
| TIMOTHY A MOYER3 Filed as: TIMOTHY MOYER | 5251 W 116TH PL, STE 300 LEAWOOD, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| JAMES P MULLINIX3 Filed as: JAMES MULLINIX | 580 LAKESHORE DR W LAKE QUIVIRA, KS 66217 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| THOMAS CRILLY3 | 20600 JOHNSON DR SHAWNEE, KS 66218 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SPENCER FANE BRITT & BROWN, LLP EIN 44-0561981 LEGAL | Legal Service code 29 | — | $34K |
| P&A GROUP ADMINISTRATOR | Contract Administrator Service code 13 | 17 COURT STREET, STE 500 BUFFALO, NY 14202 | $25K |
| NBPC EIN 43-1122456 ACCOUNTING | Accounting (including auditing) Service code 10 | — | $18K |
| BENEPLUS LLC CONSULTANT | Consulting (general) Service code 16 | PO BOX 24345 OVERLAND PARK, KS 66202 | $10K |
| SS&G AND ASSOCIATES CONSULTANT | Consulting (general) Service code 16 | 9948 W 87TH STREET SHAWNEE MISSION, KS 66202 | $7K |
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 | 2,058 | 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) | 2,058 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 3,331 | $14.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,487 | $618K |
| Vision | STANDARD INSURANCE COMPANY | 1,012 | $105K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 2,120 | $174K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,120 | $174K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 3,331 | $14.1M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,120 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,331 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.