| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | GRANULAR INSURANCE COMPANY | $91K | — | $91K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $90K | $22K | $112K | 12.75% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $4K | $16K | $20K | 4.91% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $54K | $12K | $66K | 35.81% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $274 | — | $274 | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT. | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $5.4M |
| UNITED HEALTHCARE INSURANCE CO. EIN 36-2739571 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $817K |
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $78K |
| NAVIA BENEFIT SOLUTIONS EIN 91-1467758 ADMINISTRATOR | Claims processing Service code 12 | — | $21K |
| LOCKTON COMPANIES, LLC BROKER | Insurance agents and brokers Service code 22 | 444 WEST 47TH ST., 900 KANSAS CITY, MO 64112 | $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 | 1,426 | 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) | 1,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 892 | $223K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,156 | $877K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,156 | $409K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 962 | $1.8M |
| Other(2 contracts, 2 carriers) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 1,426 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,426 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.