| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | — | $54K | 1.70% |
| LIFECARE HEALTH SERVICES, LLC Filed as: LIFECARE HEALTH SERVICES | 4013 NW EXPRESSWAY STE 675 OKLAHOMA CITY, OK 73116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $20K | $20K | 0.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $65K | — | $65K | 2.70% |
| LIFECARE HEALTH SERVICES, LLC Filed as: LIFECARE HEALTH SERVICES | 4013 NW EXPRESSWAY STE 675 OKLAHOMA CITY, OK 73116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $20K | $20K | 0.83% |
| LIFECARE HEALTH SERVICES, LLC Filed as: LIFECARE HEALTH SERVICES | 4013 NW EXPRESSWAY STE 675 OKLAHOMA CITY, OK 73116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $20K | $20K | 1.12% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $185K | — | $185K | 19.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $185K | — | $185K | 19.49% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $128K | — | $128K | 17.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $128K | — | $128K | 17.03% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $104K | — | $104K | 16.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $104K | — | $104K | 16.36% |
| LIFECARE HEALTH SERVICES, LLC Filed as: LIFECARE HEALTH SERVICES | 4013 NW EXPRESSWAY STE 675 OKLAHOMA CITY, OK 73116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10K | $10K | 2.05% |
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 | 8,759 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 96 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 6,370 | $1.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,014 | $3.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,130 | $2.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,544 | $1.8M |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,074 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,074 | — |
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.