| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF KANSAS CITY | $56K | $239K | $296K | 1.79% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $180K | $20K | $200K | 7.93% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $2K | $23K | 16.67% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.01% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS, INC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $3K | $23K | 32.16% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $3K | $22K | 31.09% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 29.70% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS, INC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 29.22% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS INC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $155 | $5K | 40.53% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $125 | $5K | 40.29% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $941 | — | $941 | 15.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FLAGSHIP HEALTH SYSTEMS | $151 | — | $151 | 3.28% |
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 | 2,060 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,073 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 3,459 | $16.5M |
| Dental(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,086 | $2.7M |
| Vision(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,086 | $2.7M |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,086 | $2.7M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,086 | $2.5M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,086 | $2.5M |
| Other(6 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,086 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,459 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.