| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC - KANSAS CITY | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $300K | $36K | $336K | 13.99% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $300K | $36K | $336K | 13.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC- KANSAS CITY | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $110K | $33K | $143K | 6.48% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $110K | $33K | $143K | 6.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC - KANSAS CITY | PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $9K | $40K | 6.46% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $9K | $40K | 6.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE ITASCA, IL 601433141 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $23K | — | $23K | 5.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC - KANSAS CITY | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $6K | $25K | 6.49% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $6K | $25K | 6.49% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 658084207 | VISION SERVICE PLAN | $6K | — | $6K | 1.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC - KANSAS CITY | C/O COMMERCE BANK PO BOX 844843 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $5K | $49K | 13.98% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $5K | $49K | 13.98% |
| MICHAEL A. SCOTT3 Filed as: MICHAEL A SCOTT | BARKER PHILLIPS JACKSON PO BOX 4207 GS SPRINGFIELD, MO 65801 | KANSAS CITY LIFE INSURANCE COMPANY | $30K | — | $30K | 10.79% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON | PO BOX 4207 SPRINGFIELD, MO 65808 | DELTA DENTAL OF MISSOURI | $12K | $523 | $13K | 6.31% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | UNION SECURITY INSURANCE COMPANY | $3K | $6K | $9K | 9.49% |
| WALLSTREET FINANCIAL GROUP INC3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 2.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC - KANSAS CITY | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 6.49% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD., SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 6.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC - KANSAS CITY | C/O COMMERCWE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 13.98% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 13.98% |
| VHS MID-AMERICA LIFE INSURANCE SERV3 | 7415 W 130TH STREET SUITE 200 OVERLAND PARK, KS 66213 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.09% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | PO BOX 4207 SPRINGFIELD, MO 65808 | DELTA DENTAL OF MISSOURI | $7K | — | $7K | 10.64% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | 7415 WEST 130TH STREET SUITE 200 OVERLAND PARK, KS 66210 | DELTA DENTAL OF MISSOURI | — | $174 | $174 | 0.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC - KANSAS CITY | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $843 | $4K | 6.47% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $843 | $4K | 6.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC - KANSAS CITY | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $510 | $2K | 6.45% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $510 | $2K | 6.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC - KANSAS CITY | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $437 | $4K | 13.97% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $437 | $4K | 13.97% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON | PO BOX 4207 SPRINGFIELD, MO 65808 | HARTFORD LIFE & ACCIDENT | $3K | — | $3K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC - KANSAS CITY | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $718 | $66 | $784 | 7.33% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $659 | $47 | $706 | 6.60% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS INC | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC - KANSAS CITY | PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $424 | $124 | $548 | 6.47% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $424 | $124 | $548 | 6.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC - KANSAS CITY | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $154 | $47 | $201 | 6.55% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $153 | $46 | $199 | 6.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC - KANSAS CITY | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65 | $19 | $84 | 6.44% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65 | $19 | $84 | 6.44% |
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 | 9,075 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 117 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 458 | $359K |
| Vision(3 contracts, 3 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,827 | $863K |
| Life insurance(11 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,842 | $3.8M |
| Short-term disability(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,619 | $3.2M |
| Long-term disability(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,842 | $3.7M |
| Other(9 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,842 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,842 | — |
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.