| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSAS | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87K | $44K | $131K | 7.50% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD., SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87K | $44K | $131K | 7.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSAS | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $211K | $42K | $253K | 15.00% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $211K | $42K | $253K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $118K | $49K | $167K | 12.89% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 9300 W 110TH STREET SUITE 520 OVERLAND PARK, KS 66210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $111K | — | $111K | 8.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE ITASCA, IL 601433141 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $26K | — | $26K | 5.96% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 658084207 | VISION SERVICE PLAN | $5K | — | $5K | 1.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSAS | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $8K | $24K | 7.50% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $8K | $24K | 7.50% |
| MICHAEL A. SCOTT3 Filed as: MICHAEL A SCOTT | BARKER PHILLIPS JACKSON PO BOX 4207 GS SPRINGFIELD, MO 65801 | KANSAS CITY LIFE INSURANCE COMPANY | $31K | — | $31K | 11.79% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON | PO BOX 4207 SPRINGFIELD, MO 65808 | DELTA DENTAL OF MISSOURI | $14K | — | $14K | 6.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $14K | $21K | 27.98% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | PO BOX 4207 SPRINGFIELD, MO 65808 | DELTA DENTAL OF MISSOURI | $7K | — | $7K | 10.26% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON | PO BOX 4207 SPRINGFIELD, MO 65808 | HARTFORD LIFE & ACCIDENT | $4K | — | $4K | 15.00% |
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 | 8,762 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 128 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,915 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF MISSOURI | 468 | $275K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 5,515 | $780K |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,498 | $3.7M |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,493 | $3.2M |
| Long-term disability(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,498 | $3.7M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,498 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,498 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.