| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STE 900 KANSAS CITY, MO 64112 | QBE INSURANCE | — | $54K | $54K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO CONTRACT ADMIN | Contract Administrator; Claims processing; Participant communication; Other services; Direct payment from the plan; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | $857K |
| LOCKTON COMPANIES LLC EIN 90-0007886 ACTUARY/CONSULTANT | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | 444 47TH STREET KANSAS CITY, MO 64112 | $247K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CONTRACT ADMIN | Claims processing; Contract Administrator Service code 12 | PO BOX 790320 ST LOUIS, MO 63179 | $94K |
| WAGEWORKS INC EIN 94-3351864 ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | 1100 PARK PLACE 4TH FLOOR SAN MATEO, CA 94403 | $16K |
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 | 2,283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 2,373 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,373 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.