| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $186K | — | $186K | 6.83% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $57K | $13K | $70K | 12.25% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FIRST UNUM LIFE INSURANCE COMPANY | $28K | $6K | $34K | 12.35% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.31% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $17K | $11K | $28K | 42.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 2.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - TAMPA | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $153 | — | $153 | 0.23% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $598 | $10K | 30.43% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $419 | $6K | 21.63% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7 | $7 | 0.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $474 | $7K | 29.35% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $201 | $2K | 10.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 ADMINISTRATOR | Contract Administrator Service code 13 | — | $352K |
| WEX HEALTH INC. EIN 06-1593514 ADMINISTRATOR | Contract Administrator Service code 13 | — | $17K |
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 | 956 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,026 | $2.8M |
| Dental | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 863 | $572K |
| Vision | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 863 | $572K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 956 | $345K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 956 | $342K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 956 | $275K |
| Other(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 956 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,026 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.