| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON BENEFIT COMPANY | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $13K | $16K | $29K | 3.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - KC SERIES | 444 WEST 47TH STREET #900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MISSOURI | $10K | $631 | $10K | 10.83% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 19.44% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KANSAS | 2301 MAIN STREET KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 13.06% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 20.82% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KANSAS | 2301 MAIN STREET KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 13.35% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $4K | 15.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KANSAS | 2301 MAIN STREET KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 13.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - KC SERIES | 444 WEST 47TH STREET #900 KANSAS CITY, MO 64112 | ADVANTICA INSURANCE COMPANY | $1K | $82 | $2K | 10.67% |
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 | 227 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 133 | $775K |
| Dental | DELTA DENTAL OF MISSOURI | 227 | $94K |
| Vision | ADVANTICA INSURANCE COMPANY | 179 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $49K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $25K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 133 | $775K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.