| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $5K | $19K | 11.81% |
| WIGGINS, DAVID, WILLIAM3 | 8900 STATE LINE ROAD SUITE 350 LEAWOOD, KS 66206 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $110 | $10K | 8.79% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $331 | $7K | 6.08% |
| HOLLABAUGH, MARC, ALAN3 | 6701 WEST 64TH STREET SUITE 315 OVERLAND PARK, KS 66202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.17% |
| MCCLELLAND, MARVIN, BRUCE3 | 7111 WEST 98TH TERRACE SUITE 110 OVERLAND PARK, KS 66212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $487 | — | $487 | 0.41% |
| PAT MURPHY3 | 3424 CARONDOLET BOULEVARD WACO, TX 76710 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANINES, LLC | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $2K | $16K | 18.66% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $2K | — | $2K | 2.88% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $2K | $13K | 18.72% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY | — | $2K | $2K | 5.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMINISTRATOR | Named fiduciary; Float revenue; Contract Administrator; Other services; Participant communication; Direct payment from the plan; Claims processing; Non-monetary compensation Service code 12 | — | $546K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Insurance agents and brokers Service code 22 | — | $50K |
| ALTERNATIVES EAP, INC. EIN 74-2937801 ADMINISTRATOR | Contract Administrator Service code 13 | — | $14K |
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 | 536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 584 | $26K |
| Vision | VISION SERVICE PLAN | 537 | $80K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 593 | $187K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 448 | $160K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 700 | $85K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,288 | $884K |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 593 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,288 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.