| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET KANSAS CITY, MO 64112 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $38K | $154K | $192K | 2.23% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.00% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $24 | $5K | 5.03% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $992 | $992 | 1.10% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $702 | $702 | 0.99% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $621 | $621 | 0.97% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $10 | $2K | 5.05% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $377 | $377 | 1.31% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $194 | $194 | 0.99% |
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 | 874 | 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) | 874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 614 | $8.8M |
| Vision | VISION SERVICE PLAN | 549 | $101K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 687 | $154K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 705 | $155K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 706 | $71K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 687 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 706 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.