| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $30K | $48K | 3.81% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $70K | $13K | $83K | 11.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 12310 DEPT 3042 DALLAS, TX 75312 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.44% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $48K | $6K | $54K | 14.59% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 LEAWOOD, KS 66211 | HARTFORD LIFE AND ACCIDENT | $48K | — | $48K | 13.02% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1501 REEDSDALE STREET, SUITE 3005 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $36K | $55K | 27.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE CROSS BLUE SHIELD WV EIN 55-0624615 ADMINISTRATOR | Contract Administrator Service code 13 | — | $799K |
| SUN LIFE ASSURANCE CO. OF CANADA EIN 38-1082080 ADMINISTRATOR | Contract Administrator Service code 13 | — | $63K |
| LOCKTON COMPANIES, LLC BROKER | Insurance agents and brokers Service code 22 | 444 WEST 47TH STREET,900 KANSAS CITY, MO 64112 | $1K |
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 | 2,965 | 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) | 2,965 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,276 | $1.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 5,276 | $1.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,965 | $701K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 578 | $368K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,005 | $198K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,965 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,276 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.