| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $251K | — | $251K | 2.00% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 SOUTH RIVERSIDE PLAZA, SUITE 1100 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $159K | $159K | 1.27% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 SOUTH RIVERSIDE PLAZA, SUITE 1100 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $476K | $476K | 4.51% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $441K | — | $441K | 4.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $317K | — | $317K | 3.00% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 LEAWOOD, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $736K | $260K | $995K | 14.51% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $736K | — | $736K | 10.72% |
| SYSTEMS INC, HEALTH & BENEFIT3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $361K | — | $361K | 13.22% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $361K | — | $361K | 13.22% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33K | $33K | 1.97% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $454K | — | $454K | 50.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $454K | — | $454K | 50.00% |
| SYSTEMS INC, HEALTH & BENEFIT3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $73K | — | $73K | 9.76% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $73K | — | $73K | 9.76% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72K | — | $72K | 20.41% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $8K | $31K | 18.18% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $17K | $35K | 24.97% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31K | — | $31K | 48.93% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31K | — | $31K | 48.93% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $663 | — | $663 | 10.40% |
| LOCKTON COMPANIES, LLC3 | 111 EAST KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $479 | — | $479 | 7.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MGMT. | Claims processing; Other fees; Direct payment from the plan; Float revenue Service code 12 | — | $141.6M |
| ANTHEM HEALTH PLANS OF KENTUCKY,INC EIN 61-1237516 ADMINISTRATOR | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Claims processing Service code 12 | — | $7.9M |
| WEX, HEALTH INC. EIN 06-1593514 FSA/HSA/COBRA ADMIN. | Contract Administrator Service code 13 | — | $201K |
| UNUM LIFE INSURANCE COMPANY OF AM. EIN 01-0278678 STD ADMINISTRATOR | Contract Administrator Service code 13 | — | $13K |
| KENTUCKY HOSPITAL SERVICE CO BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | $0 |
| LOCKTON COMPANIES, LLC BROKER | Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 8110 E UNION, SUITE 700 DENVER, CO 80237 | $0 |
| SKYLINE TERRACE LLC BROKER | Other commissions; Insurance agents and brokers; Non-monetary compensation Service code 22 | 1246 S THIRD STREET LOUISVILLE, KY 40203 | $0 |
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 | 14,962 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 113 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,075 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 33,290 | $8.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 28,211 | $1.7M |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50,096 | $15.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,759 | $12.5M |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50,096 | $10.9M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 32,257 | $1.4M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50,096 | $17.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50,096 | — |
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.