| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST STE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE COMPANY AND AFFILIATES | $106K | — | $106K | 14.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE COMPANY AND AFFILIATES | — | $29K | $29K | 4.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC CONTRACT | 777 SOUTH FIGUEROA ST #5200 LOS ANGELES, CA 90017 | CIGNA HEALTH AND LIFE COMPANY AND AFFILIATES | -$193 | — | -$193 | -0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 7.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANIES OF NORTH AMERICA | $5K | — | $5K | 2.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST STE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | — | $30K | 37.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANIES OF NORTH AMERICA | $4K | — | $4K | 5.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 37.64% |
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 | 703 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 586 | $81K |
| Dental | CIGNA HEALTH AND LIFE COMPANY AND AFFILIATES | 610 | $715K |
| Vision | VISION SERVICE PLAN | 267 | $25K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 703 | $198K |
| Short-term disability | LIFE INSURANCE COMPANIES OF NORTH AMERICA | 703 | $172K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 703 | $187K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE COMPANY AND AFFILIATES | 610 | $715K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 703 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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.