| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | 2501 MAIN KANSAS CITY, MO 64141 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | — | $12K | $12K | 3.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $192 | — | $192 | 0.52% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $114 | $114 | 0.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAYNES BENEFITS LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | 2600 GRAND BLVD SUITE 410 KANSAS CITY, MO 64108 | $88K |
| MICHELLE ROSS EIN 44-6013920 PLAN EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $87K |
| LOCKTON COMPANIES EIN 48-0763803 CONSULTANT | Other commissions; Direct payment from the plan; Consulting (general) Service code 16 | — | $70K |
| STACIE BAKER EIN 44-6013920 PLAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $49K |
| FINANCIAL COUNSELORS EIN 43-0890172 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan Service code 28 | — | $45K |
| MALLORY BURNETTE EIN 44-6013920 PLAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $41K |
| ONLITE LOGIC SOFTWARE PROVIDER | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 8700 MONROVIA # 310 LENEZA, KS 66215 | $40K |
| ACCOUNTING SOLUTIONS GROUP EIN 81-2274769 FUND AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 INSURER | Direct payment from the plan; Insurance services Service code 23 | — | $14K |
| HORIZON ACTUARIAL EIN 26-1370698 PLAN ACTUARY | Direct payment from the plan; Actuarial Service code 11 | — | $8K |
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 | 526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 1,360 | $369K |
| Vision | VISION CARE | 641 | $0 |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 542 | $37K |
| Prescription drug | ELIXIR CRAFTED RX LOLUTIONS | 555 | $0 |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 543 | $1.5M |
| Other(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 492 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,360 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.