| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | $4K | $52K | 24.46% |
| DAVID W WIGGINS3 | 3400 EAST VALE FAIRWAY, KS 66205 | TRUSTMARK INSURANCE COMPANY | $101K | — | $101K | 50.76% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | TRUSTMARK INSURANCE COMPANY | $38K | — | $38K | 18.86% |
| DAVID W WIGGINS3 | 3400 EAST VALE FAIRWAY, KS 66205 | TRUSTMARK INSURANCE COMPANY | $80K | — | $80K | 57.72% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | TRUSTMARK INSURANCE COMPANY | $31K | — | $31K | 22.06% |
| DAVID W WIGGINS3 | 3400 EAST VALUE FAIRWAY, KS 66205 | TRUSTMARK INSURANCE COMPANY | $63K | — | $63K | 47.13% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | TRUSTMARK INSURANCE COMPANY | $23K | — | $23K | 17.37% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.47% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $956 | $956 | 2.63% |
| DAVID WIGGINS3 | 8900 STATE LINE ROAD, SUITE 350 LEAWOOD, KS 66206 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.01% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE SAINT LOUIS, MO 63141 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 9.54% |
| THE MILLER GROUP3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | HUMANA INSURANCE COMPANY | $858 | — | $858 | 4.77% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $321 | $3K | 25.20% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $284 | $284 | 2.68% |
| THE MILLER GROUP3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | DELTA DENTAL OF KANSAS, INC. | $137 | — | $137 | 5.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SC EIN 57-0287419 ADMINISTRATION | Contract Administrator Service code 13 | — | $833K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 ADMINISTRATION | Contract Administrator Service code 13 | — | $35K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 ADMINISTRATION | Contract Administrator; Non-monetary compensation; Other services; Direct payment from the plan; Claims processing; Participant communication; Float revenue Service code 12 | — | $25K |
| THE TABEN GROUP ADMINISTRATION | Contract Administrator Service code 13 | 10875 BENSON, SUITE 130 800-675-7341 OVERLAND PARK, KS 66210 | $10K |
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 | 1,275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 191 | $24K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 23 | $3K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,961 | $401K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 275 | $60K |
| Other(4 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 1,136 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,961 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.