| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | STANDARD INSURANCE COMPANY | $55K | — | $55K | 3.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEI INVESTMENT EIN 23-1707341 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $109K |
| WILLIS TOWERS WATSON EIN 26-0775680 NONE | Participant communication; Direct payment from the plan; Consulting (general) Service code 16 | — | $77K |
| THE TABEN GROUP NONE | Insurance services; Direct payment from the plan Service code 23 | 10875 BENSON DR OVERLAND PARK, KS 66210 | $37K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $25K |
| MAYER HOFFMAN MCCANN PC EIN 43-1947695 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $22K |
| TOWERS WATSON PENNSYLVANIA EIN 23-1159360 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $17K |
| CIGNA EIN 56-1971088 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $16K |
| RUSSELL TRUST COMPANY EIN 26-2779554 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $15K |
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $15K |
| SAGEVIEW ADVISORY GROUP EIN 33-0818667 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $9K |
| PICKETT, CHANEY & MCMULLEN LLP EIN 48-1246310 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $7K |
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 | 1,990 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,991 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,007 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 2,016 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,016 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.