| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | RELISTAR LIFE INSURANCE COMPANY | $464K | $100K | $564K | 22.55% |
| BENEFIT COMMUNICATION INSOURCING3 | 6363 COLLEGE BLVD STE 500 LEAWOOD, KS 662111887 | RELISTAR LIFE INSURANCE COMPANY | $563K | — | $563K | 22.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US L | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10K | $10K | 0.43% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 0.53% |
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVE, FL20 NEW YORK, NY 10017 | RELIASTAR LIFE INSURANCE COMPANY | — | $29K | $29K | 5.03% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | RELIASTAR LIFE INSURANCE COMPANY | — | $6K | $6K | 0.97% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $81K | $81K | 36.01% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $220 | $220 | 0.43% |
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 | 8,468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 6,299 | $491K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,347 | $816K |
| Short-term disability(2 contracts, 2 carriers) | RELISTAR LIFE INSURANCE COMPANY | 10,058 | $4.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,100 | $225K |
| Other(4 contracts, 4 carriers) | RELISTAR LIFE INSURANCE COMPANY | 10,058 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,058 | — |
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.