| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $55K | $220K | $274K | 1.84% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KANSAS, INC. | $7K | — | $7K | 1.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 4.05% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | 6710 WEST 121ST STREET, SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 3.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 1.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 0.95% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | 6710 WEST 121ST STREET, SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $7K | $7K | 3.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $616 | — | $616 | 0.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 7.14% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 5.14% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | 6710 WEST 121ST STREET, SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 3.82% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 10.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 9.79% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | 6710 WEST 121ST STREET, SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDEST, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 6.86% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 6.08% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | 6710 WEST 121ST STREET, SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 4.20% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 10.96% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | 6710 WEST 121ST STREET, SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $3K | $6K | 7.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 12.62% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | 6710 WEST 121ST STREET, SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $3K | $5K | 6.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.61% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.92% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.68% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | 6710 WEST 121ST STREET, SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $207 | $207 | 0.73% |
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 | 990 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 92 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 1,728 | $14.9M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 985 | $700K |
| Vision | VISION SERVICE PLAN | 818 | $141K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 871 | $360K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 871 | $318K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 871 | $334K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 1,728 | $14.9M |
| Other(7 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 871 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,728 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.