| 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 | — | $177K | $177K | 1.83% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | DELTA DENTAL OF MISSOURI | $57K | $3K | $60K | 11.75% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 1.80% |
| JOE FERNANDEZ3 | 7500 DALLAS PARKWAY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $10K | $38K | 10.71% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $2K | $25K | 7.12% |
| JOSEPH FERNANDEZ3 | 1201 ELM STREET SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.02% |
| JOSEPH FERNANDEZ3 | 7500 DALLAS PARKWAY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $7K | $69K | 31.39% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $850 | $28K | 12.89% |
| JOE FERNANDEZ3 | 1201 ELM STREET, SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.00% |
| JOSEPH FERNANDEZ3 | 7500 DALLAS PARKWAY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $3K | $27K | 32.51% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $361 | $11K | 13.32% |
| JOE FERNANDEZ3 | 1201 ELM STREET, SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | — | $710 | $710 | 0.85% |
| JOSEPH FERNANDEZ3 | 7500 DALLAS PARKWAY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 30.34% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $280 | $7K | 12.45% |
| JOE FERNANDEZ3 | 1201 ELM STREET, SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | — | $619 | $619 | 1.03% |
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 | 868 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,843 | $9.7M |
| Dental | DELTA DENTAL OF MISSOURI | 1,877 | $511K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,439 | $355K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,347 | $391K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,439 | $355K |
| Other(5 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,843 | $10.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,877 | — |
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.