| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STRET, SUITE 900 KANSAS CITY, MO 64112 | HCC LIFE INSURANCE COMPANY | $70K | — | $70K | 9.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON GA NORTHWEST | 2100 ROSS AVE, SUITE 120 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | $32K | — | $32K | 4.41% |
| SEE ATTACHED | — | AFLAC | $65K | $4K | $69K | 16.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $62K | — | $62K | 17.10% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.46% |
| DENTAL DENTAL | 1619 N WATERFRONT PKWY PO BOX 789769 WICHITA, KS 67278 | DELTA DENTAL OF KANSAS | — | $42K | $42K | — |
| MEDTRAK SERVICES Filed as: MEDTRAK SERVICES LLC | 7101 COLLEGE BLVD SUITE 1000 OVERLAND PARK, KS 66210 | MEDTRAKRX | — | $5K | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE INC EIN 35-1846036 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $318K |
| AETNA PPO EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $209K |
| TRIA HEALTH LLC EIN 27-1515235 NONE | Other services; Claims processing Service code 12 | 7101 COLLEGE BLVD 600 OVERLAND PARK, KS 66210 | $155K |
| MULTIPLAN INC EIN 13-0368979 NONE | Claims processing; Other services; Plan Administrator Service code 12 | — | $33K |
| HEALTHCARE BLUEBOOK EIN 46-4399706 NONE | Claims processing; Other services; Plan Administrator Service code 12 | — | $16K |
| TELADOC EIN 04-3705970 NONE | Claims processing; Other services; Plan Administrator Service code 12 | — | $9K |
| CHANGE HEALTHCARE EIN 20-5716594 NONE | Other services; Claims processing Service code 12 | — | $8K |
| ACS -A XEROX COMPANY EIN 36-4129784 NONE | Claims processing; Other services Service code 12 | — | $7K |
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 | 1,092 | 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) | 1,092 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 956 | $1.1M |
| Dental | DELTA DENTAL OF KANSAS | 961 | $0 |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,092 | $361K |
| Short-term disability | AFLAC | 338 | $408K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,092 | $361K |
| Prescription drug | MEDTRAKRX | 956 | $0 |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 956 | $65K |
| Other(3 contracts, 3 carriers) | AFLAC | 1,092 | $783K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,092 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.