| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $281K | $17K | $298K | 9.60% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 LEAWOOD, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $102K | $17K | $119K | 3.82% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1400 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | — | $103K | $103K | 3.31% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EYEMED VISION CARE | $23K | — | $23K | 8.07% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $9K | $127 | $9K | 20.60% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $415 | $415 | 0.97% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1400 DALLAS, TX 75201 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $5 | $5 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $97 | — | $97 | 1.57% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELAWARE AMERICAN LIFE INSURANCE OF AMERICA | $75 | — | $75 | 31.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 ADMINISTRATOR | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $2.8M |
| WAGEWORKS EIN 94-3351864 ADMINISTRATOR | Contract Administrator Service code 13 | — | $29K |
| RELIASTAR EIN 41-0451140 ADMINISTRATOR | Contract Administrator Service code 13 | — | $23K |
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 | 4,450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $16K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $16K |
| Vision | EYEMED VISION CARE | 4,309 | $291K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,649 | $3.1M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 5,649 | $3.1M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 5,649 | $3.1M |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,649 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,649 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.