| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | $113K | $68K | $181K | 15.75% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE SERVICES | PO BOX 842167 DALLAS, TX 75284 | SYMETRA LIFE INSURANCE COMPANY | — | $68K | $68K | 5.92% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | SYMETRA LIFE INSURANCE COMPANY | $45K | $16K | $62K | 5.37% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | $137K | $41K | $177K | 18.09% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | SYMETRA LIFE INSURANCE COMPANY | $137K | $4K | $141K | 14.33% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE SERVICES | PO BOX 842167 DALLAS, TX 75284 | SYMETRA LIFE INSURANCE COMPANY | — | $41K | $41K | 4.13% |
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 | 2,443 | 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) | 2,443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 2,443 | $1.1M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 2,254 | $981K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,443 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.