| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSAS | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $299K | $299K | $598K | 3.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - LOCKTON | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $299K | $0 | $299K | 1.83% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET, STE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $448K | $0 | $448K | 15.63% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD, STE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $447K | $0 | $447K | 15.62% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ATLANTA | PO BOX 741738 ATLANTA, GA 303741738 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.42% |
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 | 23,520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 382 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 23,902 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 23,827 | $7.6M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19,497 | $16.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19,497 | $16.3M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 13,379 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,827 | — |
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.