| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $22K | $22K | 3.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - KC SERIES | 444 WEST 47TH STREET #900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MISSOURI | $8K | $717 | $9K | 9.70% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY | $3K | $443 | $4K | 17.00% |
| 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 | — | $1K | $1K | 5.04% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY | $3K | $424 | $3K | 16.41% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS SHIELD OF KANSAS | 2301 MAIN ST KANSAS CITY, MO 641080000 | UNUM LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - KC SERIES | 444 WEST 47TH STREET #900 KANSAS CITY, MO 64112 | ADVANTICA INSURANCE COMPANY | $1K | $108 | $1K | 9.47% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641083844 | UNUM INSURANCE COMPANY | $2K | $686 | $3K | 20.01% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK KANSAS CITY, MO 641843844 | UNUM INSURANCE COMPANY | $1K | $432 | $2K | 22.32% |
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 | 328 | 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) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $670K |
| Dental | DELTA DENTAL OF MISSOURI | 328 | $94K |
| Vision | ADVANTICA INSURANCE COMPANY | 327 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 308 | $21K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 88 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 308 | $21K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 308 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.