| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $44K | $74K | $118K | 2.87% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $0 | $39K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 3.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | DELTA DENTAL OF KANSAS, INC. | $10K | $0 | $10K | 4.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM INSURANCE COMPANY | $4K | $761 | $5K | 10.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF KANSAS, INC. | 5700 WEST 112TH STREET, SUITE 100 OVERLAND PARK, KS 66211 | UNUM INSURANCE COMPANY | $3K | $335 | $3K | 7.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF KANSAS, INC. | 5400 WEST 110TH STREET, SUITE 300 OVERLAND PARK, KS 66211 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 6.23% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $989 | $0 | $989 | 11.61% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF KANSAS, INC. | 12980 METCALF AVENUE, SUITE 500 OVERLAND PARK, KS 66213 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $302 | $0 | $302 | 3.55% |
| LOCKTON COMPANIES, LLC4 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $154 | $0 | $154 | 1.81% |
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 | 391 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 512 | $4.1M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 309 | $204K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 443 | $34K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 391 | $260K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 391 | $260K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 391 | $260K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 512 | $4.1M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 391 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.