| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $281K | $112K | $393K | 11.07% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | SUN LIFE ASSURANCE COMPANY OF CANADA | $109K | — | $109K | 3.07% |
| MORGAN PLANNING GROUP LLC3 | 1613 SOUTHCROSS DRIVE W BURNSVILLE, MN 55306 | SUN LIFE ASSURANCE COMPANY OF CANADA | $52K | $44K | $96K | 2.71% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 3.02% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 1.01% |
| MORGAN PLANNING GROUP LLC3 | 1613 SOUTHCROSS DRIVE W BURNSVILLE, MN 55306 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 0.29% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 7.18% |
| MORGAN PLANNING GROUP LLC3 | 1613 SOUTHCROSS DRIVE W BURNSVILLE, MN 55306 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $3K | $16K | 4.08% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 2.81% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE AND HEALTH INSURANCE COMPANY | $305 | — | $305 | 2.14% |
| MORGAN PLANNING GROUP LLC3 | 1613 SOUTHCROSS DRIVE W BURNSVILLE, MN 55306 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $3 | $3 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $1.8M |
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 | 1,545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,458 | $1.2M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,458 | $1.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,545 | $3.6M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,545 | $3.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,545 | $3.6M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,471 | $1.5M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,545 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,471 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.