| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD., STE 500 OVERLAND PARK, KS 66211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $110K | $14K | $124K | 9.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.18% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD., STE 500 OVERLAND PARK, KS 66211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $237K | $7K | $245K | 33.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.34% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD., STE 500 OVERLAND PARK, KS 66211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | $2K | $52K | 33.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $877 | $877 | 0.56% |
| BENEFIT COMMUNICATION INSOURCING3 | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 7.25% |
| BENEFIT COMMUNICATION INSOURCING3 | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | EXPRESS SCRIPTS, INC. | $1K | — | $1K | 3.12% |
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 | 6,094 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 17 | $52K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,918 | $741K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,261 | $1.4M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 409 | $158K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 17 | $33K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,918 | $741K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,918 | — |
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.