| 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 | $68K | $250K | $318K | 1.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 1.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 641843844 | PRINCIPAL LIFE INSURANCE COMPANY | $32K | $2K | $34K | 10.51% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 12.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| P&A GROUP COBRA ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 17 COURT STREET, STE 500 BUFFALO, NY 14202 | $36K |
| NBPC EIN 43-1122456 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $33K |
| SPENCER FANE BRITT & BROWN, LLP EIN 44-0561981 ATTORNEY | Legal Service code 29 | — | $23K |
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 | 2,509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 4,021 | $22.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,309 | $801K |
| Vision | STANDARD INSURANCE COMPANY | 1,493 | $179K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 2,667 | $324K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,667 | $324K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 4,021 | $22.4M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 2,667 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,021 | — |
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.