| 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 | $301K | — | $301K | 2.00% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 SOUTH RIVERSIDE PLAZA, SUITE 1100 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $300K | $300K | 1.99% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 LEAWOOD, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $651K | $223K | $874K | 14.27% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $651K | — | $651K | 10.63% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $178K | — | $178K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $369K | — | $369K | 8.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123043 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $138K | — | $138K | 3.00% |
| SYSTEMS INC, HEALTH & BENEFIT3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $286K | — | $286K | 9.72% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $286K | — | $286K | 9.72% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 SOUTH RIVERSIDE PLAZA, SUITE 1100 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $232K | $232K | 13.62% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $136K | — | $136K | 8.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.00% |
| SYSTEMS INC, HEALTH & BENEFIT3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $174K | — | $174K | 17.16% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $174K | — | $174K | 17.16% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | — | $63K | 20.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38K | $11K | $49K | 20.80% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $14K | $36K | 23.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MGMT. | Other fees; Direct payment from the plan; Claims processing; Float revenue Service code 12 | — | $95.6M |
| ANTHEM HEALTH PLANS OF KENTUCKY,INC EIN 61-1237516 ADMINISTRATOR | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services Service code 12 | — | $7.9M |
| WEX, HEALTH INC. EIN 06-1593514 FSA/HSA ADMINISTRATOR | Contract Administrator Service code 13 | — | $106K |
| UNUM LIFE INSURANCE COMPANY OF AM. EIN 01-0278678 STD ADMINISTRATOR | Contract Administrator Service code 13 | — | $16K |
| KENTUCKY HOSPITAL SERVICE CO BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | $0 |
| LOCKTON COMPANIES, LLC BROKER | Other commissions; Non-monetary compensation; Insurance agents and brokers Service code 22 | 444 W 47TH STREET, 900 KANSAS CITY, MO 64112 | $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 | 17,812 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 111 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 31,130 | $8.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 26,338 | $1.5M |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 17,812 | $10.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13,895 | $15.1M |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29,216 | $6.3M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 29,958 | $1.1M |
| Other(5 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 24,088 | $12.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,130 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.