| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSUARANCE COMPANY OF AMERICA | $42K | $5K | $48K | 15.33% |
| BCINSOURCING, LLC3 | STE 500 6363 COLLEGE BLVD OVERLAND PARK, KS 66111 | UNUM LIFE INSUARANCE COMPANY OF AMERICA | $42K | $4K | $47K | 15.02% |
| JASON PASTRANO3 | 42 BROADWAY SUITE 1936 NEW YORK, NY 10004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 18.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $7K | $11K | 7.96% |
| BC INSOURCING LLC3 | 6363 COLLEGE BLVD STE 500 OVERLAND PARK, KS 66211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.06% |
| BCINSOURCING, LLC3 | STE 500 6363 COLLEGE BLVD OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $1K | $18K | 18.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $418 | $17K | 17.43% |
| LOCKTON COMPANIES, LLC3 | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $282 | — | $282 | 9.70% |
| BCINSOURCING, LLC3 | STE 500 6363 COLLEGE BLVD OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $282 | — | $282 | 9.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $1.4M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $41K |
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 | 4,247 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 435 | $100K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 663 | $135K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 0 | $0 |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,247 | $1.3M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSUARANCE COMPANY OF AMERICA | 1,729 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,247 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.