| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $42K | $199K | $241K | 2.01% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY | $50K | — | $50K | 9.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVE STE 1400 DALLAS, TX 752016706 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.17% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $12K | — | $12K | 9.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE STE 1400 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.04% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 02284 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $493 | $493 | 0.40% |
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 | 1,010 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,023 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 886 | $12.0M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 890 | $695K |
| Vision | VISION SERVICE PLAN | 764 | $155K |
| Life insurance(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 2,706 | $663K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,706 | $539K |
| Long-term disability(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 2,706 | $663K |
| Other(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 2,706 | $663K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,706 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.