| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | PRINCIPAL LIFE INSURANCE COMPANY | $1.3M | $0 | $1.3M | 16.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $172K | $19K | $191K | 10.83% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $172K | $19K | $191K | 10.83% |
| PHYNQUE INC.3 | 5600 WEST 83RD STREET, SUITE 1100 BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 0.52% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $6 | $3K | 0.15% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $733 | $0 | $733 | 0.04% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $425 | $0 | $425 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | 5 STAR LIFE INSURANCE COMPANY | $214K | $0 | $214K | 13.44% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING INC. | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | 5 STAR LIFE INSURANCE COMPANY | $201K | $0 | $201K | 12.66% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT 3042 DALLAS, TX 75312 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | $188K | $0 | $188K | 15.48% |
| BENEFIT COMMUNICATION INSOURCING3 | 6363 COLLEGE BOULEVARD, SUITE 500 LEAWOOD, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $79K | $0 | $79K | 11.25% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $79K | $0 | $79K | 11.25% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 55486 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $15K | $15K | 2.08% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 2.10% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP | 3350 RIVERWOOD PARKWAY, SUITE 80 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 1.18% |
| THE HATCHER AGENCY3 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.33% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.33% |
| GREGORY L. HATCHER3 Filed as: GREGORY LAYNE HATCHER | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | ZURICH AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 9.85% |
| LOCKTON COMPANIES, LLC4 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $5K | $0 | $5K | 6.02% |
| HEALTH AND BENEFIT SYSTEMS, INC.4 Filed as: HEALTH AND BENEFIT SYSTEMS INC. | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $5K | $0 | $5K | 5.97% |
| PARRISH & ASSOCIATES4 Filed as: PARRISH AND ASSOCIATES | 4959 MEADOW BROOK ROAD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $2K | $0 | $2K | 1.88% |
| THE HATCHER AGENCY4 | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $2K | $0 | $2K | 1.67% |
| ALAN ROMAN4 | 7220 PRINCETON AVENUE SAINT LOUIS, MO 63130 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $101 | $0 | $101 | 0.11% |
| NATIONAL INSURANCE MARKETING BROKER4 Filed as: NATIONAL INSURANCE MARKETING | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $26 | $0 | $26 | 0.03% |
| DORIS SETTLES4 | 605 WEST 55TH STREET NORTH LITTLE ROCK, AR 72118 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $22 | $0 | $22 | 0.02% |
No Schedule C service providers reported on this filing.
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 | 10,285 | 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) | 10,285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | 12,323 | $1.2M |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 11,994 | $10.2M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 11,994 | $8.2M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 11,994 | $8.2M |
| Other(6 contracts, 6 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 11,994 | $11.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,323 | — |
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.