| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $18K | $33K | $51K | 3.13% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KANSAS, INC. | $4K | — | $4K | 3.15% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 111 E KILBOURN AVE STE 825 MILWAUKEE, WI 53202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.22% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 111 E KILBOURN AVE STE 825 MILWAUKEE, WI 53202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.25% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 111 E KILBOURN AVE STE 825 MILWAUKEE, WI 53202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $850 | $850 | 4.22% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE CORP. | $2K | $165 | $2K | 10.87% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 111 E KILBOURN AVE STE 825 MILWAUKEE, WI 53202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $707 | $707 | 4.28% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 108 | $1.6M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 124 | $112K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 82 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $34K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 108 | $1.6M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
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.