| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - FOUNDERS | SERIES 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $31K | $31K | 3.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | DELTA DENTAL OF MISSOURI | $11K | $838 | $12K | 9.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSAS | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $476 | $4K | 16.20% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS SHIELD OF KANSAS | 2301 MAIN ST KANSAS CITY, MO 641080000 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $938 | $938 | 3.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSAS | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY | $4K | $470 | $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 | $0 | $904 | $904 | 3.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSAS | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $402 | $2K | 12.00% |
| 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 | $0 | $810 | $810 | 4.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - KC SERIES | 444 WEST 47TH STREET #900 KANSAS CITY, MO 64112 | ADVANTICA INSURANCE COMPANY | $1K | $122 | $1K | 6.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSAS | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641083844 | UNUM INSURANCE COMPANY | $3K | $780 | $4K | 18.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSAS | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM INSURANCE COMPANY | $2K | $288 | $2K | 17.01% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 172 | $996K |
| Dental | DELTA DENTAL OF MISSOURI | 436 | $117K |
| Vision | ADVANTICA INSURANCE COMPANY | 390 | $20K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $44K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 74 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $24K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.