| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $120K | $120K | 2.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MISSOURI | $38K | $2K | $40K | 10.08% |
| JOE FERNANDEZ3 | 1201 ELM STREET, SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $867 | $16K | 6.84% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $1K | $14K | 5.94% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 4.42% |
| JOE FERNANDEZ3 | 1201 ELEM STREET, SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $89 | $37K | 28.65% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $474 | $16K | 12.61% |
| JOE FERNANDEZ3 | 1201 ELM STREET, SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $36 | $14K | 27.08% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $229 | $6K | 12.03% |
| JOE FERNANDEZ3 | 1201 ELM STREET, SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $800 | $11K | 27.36% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $199 | $5K | 11.36% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | — | $3K | 16.08% |
| LOREAN B HAHN3 Filed as: LOREAN B. HANN | 926 N OVERLOOK DRIVE OLATHE, KS 66061 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 13.53% |
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 | 677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,907 | $6.0M |
| Dental | DELTA DENTAL OF MISSOURI | 1,714 | $393K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,261 | $230K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 920 | $140K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,261 | $230K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 920 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,907 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.