| 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 | $27K | $102K | $129K | 2.28% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $15K | $15K | 3.01% |
| J DEMPSEY INCORPORATED3 Filed as: DEMPSEY INC | PO BOX 1428 ANN ARBOR, MI 48106 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $21K | — | $21K | 4.47% |
| J DEMPSEY INCORPORATED3 | PO BOX 1428 ANN ARBOR, MI 48106 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.98% |
| J DEMPSEY INCORPORATED3 Filed as: DEMPSEY INC. | 1304 S. MAIN STREET ANN ARBOR, MI 48104 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $539 | — | $539 | 9.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DISCOVERY BENEFITS ADMINISTRATOR | Contract Administrator Service code 13 | 4321 20TH AVENUE S. 877-765-8810 FARGO, ND 58103 | $9K |
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 | 663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 674 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 1,205 | $6.1M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 629 | $523K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 629 | $500K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 85 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,205 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.