| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5847 SAN FELIPE STE 320 HOUSTON, TX 77057 | AWETNA LIFE INSURANCE CO. | — | $44K | $44K | 5.29% |
| LOCKTON COMPANIES, LLC3 | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSUARANCE COMPANY | $55K | $8K | $63K | 30.33% |
| HEALTH AND BENEFITS SYSTEMS INC.3 Filed as: HEALTH & BENEFITS SYSTEMS INC | STE 500 6363 COLLEGE BLVD OVERLAND PARK, KS 66111 | UNUM LIFE INSUARANCE COMPANY | $55K | $8K | $63K | 30.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $218 | $12K | 12.73% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS INC | 6363 COLLEGE BLVD STE 500 OVERLAND PARK, KS 66211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 12.50% |
| 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 | $24K | $4K | $27K | 37.19% |
| HEALTH AND BENEFITS SYSTEMS INC.3 Filed as: HEALTH & BENEFITS SYSTEMS INC | STE 500 6363 COLLEGE BLVD OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $4K | $27K | 37.18% |
| LOCKTON COMPANIES, LLC3 | KANSAS CITY SERIES C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 38.77% |
| HEALTH AND BENEFITS SYSTEMS INC.3 Filed as: HEALTH & BENEFITS SYSTEMS, INC | STE 500 6363 COLLEGE BLVD OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 38.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.3M |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVE. RSAA HARTFORD, CT 06156 | $26K |
| HEALTH AND HUMAN RESOURCE I PLAN ADMINISTRATOR | Plan Administrator Service code 14 | CENTER, INC 151 FARMINGTON AVE., RSAA HARTFORD, CT 06156 | $2K |
| HOLMES MURPHY & ASSOCIATES INC BROKER | Insurance agents and brokers Service code 22 | 12712 PARK CENTRAL DRIVE STE 100 DALLAS, TX 75251 | $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 | 3,416 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 3,825 | $187K |
| Life insurance(3 contracts, 3 carriers) | AWETNA LIFE INSURANCE CO. | 3,416 | $1.1M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 863 | $96K |
| Long-term disability | AWETNA LIFE INSURANCE CO. | 3,416 | $825K |
| Other(2 contracts, 2 carriers) | AWETNA LIFE INSURANCE CO. | 3,416 | $827K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,825 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.