| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $52K | $38K | $90K | 5.00% |
| BROOKE RUNNION3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | KANSAS CITY LIFE INSURANCE COMPANY | $4K | — | $4K | 3.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $61 | $2K | 10.24% |
| THE MILLER GROUP3 Filed as: MILLER INSURANCE AGENCY INC, ROBERT | 6363 COLLEGE BLVD STE 400 LEAWOOD, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICE PLAN | $947 | — | $947 | 6.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $37 | $2K | 15.23% |
| THE MILLER GROUP3 Filed as: MILLER INSURANCE AGENCY INC, ROBERT | 6363 COLLEGE BLVD STE 400 LEAWOOD, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $33 | $2K | 15.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $30 | $2K | 20.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $983 | $14 | $997 | 20.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $858 | $13 | $871 | 20.30% |
No Schedule C service providers reported on this filing.
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 195 | $1.8M |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 155 | $98K |
| Vision | VISION SERVICE PLAN | 152 | $16K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 162 | $33K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $13K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 162 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.