| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $38K | $159K | $198K | 2.39% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $4K | 2.02% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $720 | $910 | $2K | 1.87% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $858 | $858 | 1.08% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $679 | $861 | $2K | 1.98% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $556 | $556 | 2.55% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $482 | $482 | 3.04% |
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 | 645 | 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) | 645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 1,289 | $8.3M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 453 | $401K |
| Vision | VISION SERVICE PLAN | 555 | $95K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 833 | $157K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 833 | $189K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 833 | $87K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 833 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,289 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.