| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.46% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON BENEFIT COMPANY | 444 W 47TH ST 600 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $11K | — | $11K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROUSE,FRETS,WHITE,GOSS,GENTILE,RHOD EIN 43-1706479 FUND LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $80K |
| LOCKTON COMPANIES LLC EIN 48-0763803 CONSULTANT | Consulting (general); Direct payment from the plan; Other commissions Service code 16 | — | $74K |
| FINANCIAL COUNSELORS INC EIN 43-0890172 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $43K |
| MICHELLE ROSS EMPLOYEE-PLAN PARTICIPANT | Direct payment from the plan; Employee (plan) Service code 30 | 6321 BLUE RIDGE BLVD RAYTOWN, MO 64133 | $34K |
| SUMMERS, SPENCER & COMPANY, PA EIN 48-1215584 FUND AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $26K |
| KIRA DEATLEY EMPLOYEE-PLAN PARTICIPANT | Direct payment from the plan; Employee (plan) Service code 30 | 6321 BLUE RIDGE BLVD RAYTOWN, MO 64133 | $23K |
| INNOVATIVE SOFTWARE SOLUTIONS INC NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 3000 S. LENOLA RD 856-910-9190 MAPLE SHADE, NJ 08052 | $22K |
| BMI AUDIT SERVICES LLC NONE | Other services; Direct payment from the plan Service code 49 | 100 E WAYNE ST, STE 400 574-234-7780 SOUTH BEND, IN 46601 | $12K |
| MIDWEST TRUST CUSTODIAL AND BANKING | Investment management fees paid indirectly by plan; Custodial (securities); Investment management; Direct payment from the plan; Account maintenance fees Service code 19 | 5901 COLLEGE BLVD OVERLAND PARK, KS 66211 | $9K |
| 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 | 429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 1,306 | $0 |
| Vision | VISION PLAN SERVICES | 491 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,408 | $49K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,408 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,408 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.