| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | — | $41K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $20K | $20K | 2.36% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $5K | $19K | 10.97% |
| WIGGINS, DAVID, WILLIAM3 | 8900 STATE LINE ROAD SUITE 350 LEAWOOD, KS 66206 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $374 | $7K | 5.73% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $478 | $5K | 4.01% |
| HOLLABAUGH, MARC, ALAN3 | 6701 WEST 64TH STREET SUITE 315 OVERLAND PARK, KS 66202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.96% |
| MCCLELLAND, MARVIN, BRUCE3 | 7111 WEST 98TH TERRACE SUITE 110 OVERLAND PARK, KS 66212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $400 | — | $400 | 0.34% |
| PAT MURPHY3 | 3424 CARONDOLET BOULEVARD WACO, TX 76710 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 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 | $3K | $17K | 18.14% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $2K | — | $2K | 2.82% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $2K | $13K | 18.20% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY | — | $2K | $2K | 6.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMINISTRATOR | Named fiduciary; Non-monetary compensation; Direct payment from the plan; Participant communication; Other services; Contract Administrator; Float revenue; Claims processing Service code 12 | — | $600K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Insurance agents and brokers Service code 22 | — | $59K |
| 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 | 543 | 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) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 597 | $28K |
| Vision | VISION SERVICE PLAN | 552 | $83K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 637 | $190K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 443 | $173K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 713 | $92K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 543 | $829K |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 637 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.