| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $268K | $268K | 2.68% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$80K | -$80K | -0.80% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | DELTA DENTAL OF MISSOURI | $35K | — | $35K | 5.87% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | DELTA DENTAL OF MISSOURI | $24K | $6K | $30K | 4.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $76K | — | $76K | 16.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $37K | $37K | 7.94% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 WEST 110TH STREET SUITE 320 OVERLAND PARK, KS 66210 | HARTFORD LIFE AND ACCIDENT | $29K | — | $29K | 6.23% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 2.03% |
| JOE FERNANDEZ3 | 7500 DALLAS PARKWAY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $8K | $19K | 20.07% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $1K | $14K | 14.17% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT & INSURANCE SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $14 | $5K | 4.89% |
| JOSEPH FERNANDEZ3 | 7500 DALLAS PARKWAY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $8K | 3082.28% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $176 | $3K | 1149.21% |
| JOSEPH FERNANDEZ3 | 7500 DALLAS PARKWAY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13455.26% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $145 | $2K | 5002.63% |
| JOE FERNANDEZ3 Filed as: JOE FERNANDEX | 7500 DALLAS PARKWAY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $4K | $21K | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $324 | $8K | — |
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 | 1,389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,261 | $10.0M |
| Dental | DELTA DENTAL OF MISSOURI | 2,054 | $604K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $97K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,384 | $406K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 380 | $566K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 380 | $470K |
| Other(6 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,261 | $10.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,261 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.