| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KANSAS, INC. | $4K | — | $4K | 4.12% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.50% |
| PREMIER WORKSITE SOLUTIONS INC5 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 WEST 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| PREMIER WORKSITE SOLUTIONS INC5 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 WEST 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $875 | $875 | 4.00% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $676 | $676 | 3.09% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| PREMIER WORKSITE SOLUTIONS INC5 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 WEST 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $850 | $850 | 4.00% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $843 | $843 | 3.97% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $947 | $947 | 4.48% |
| PREMIER WORKSITE SOLUTIONS INC5 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 WEST 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $845 | $845 | 4.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| PREMIER WORKSITE SOLUTIONS INC5 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 WEST 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $794 | $794 | 4.00% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $718 | $718 | 3.62% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $898 | $898 | 4.76% |
| PREMIER WORKSITE SOLUTIONS INC5 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 WEST 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $755 | $755 | 4.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SURENCY LIFE AND HEALTH | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS PROCESSING | Claims processing Service code 12 | — | $116K |
| LOCKTON COMPANIES, LLC BROKER | Insurance agents and brokers Service code 22 | 444 WEST 47TH ST., 900 KANSAS CITY, MO 64112 | $0 |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 154 | $88K |
| Vision | SURENCY LIFE AND HEALTH | 112 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $22K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 147 | $200K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.