| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | FOUNDERS SERIES 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | UNITEDHEALTHCARE INSURANCE COMPANY | $97K | $0 | $97K | 5.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | FOUNDER SERIES 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $77K | $89K | 5.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 30374 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $26K | $26K | 1.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.20% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 7.21% |
| LOCKTON COMPANIES, LLC3 | FOUNDERS SERIES C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 38.21% |
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 | 1,147 | 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) | 1,153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 978 | $3.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,212 | $99K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,212 | $99K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,212 | $99K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,212 | $99K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,212 | — |
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.