| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $5K | $23K | 12.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $14K | 10.80% |
| DAVID W WIGGINS3 Filed as: DAVID WILLIAM WIGGINS | STE 350 8900 STATE LINE RD LEAWOOD, KS 66206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $292 | $9K | 7.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - KANSAS | CITY SERIES C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $279 | $5K | 4.25% |
| DAVID WIGGINS3 | 8900 STATE LINE RD SUITE 350 LEAWOOD, KS 66206 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH STREET STE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 8.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | AMERITAS | $3K | $0 | $3K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $470 | $2K | 12.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $252K |
| LOCKTON COMPANIES NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | $78K |
| DELTA DENTAL OF KANSAS EIN 48-0793267 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $20K |
| SELECT ACCOUNT EIN 81-3861862 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $14K |
| PGH NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 529 HUMBOLDT, SUITE 1 MANHATTAN, KS 66502 | $13K |
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 | 605 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 197 | $98K |
| Vision | AMERITAS | 605 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $185K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $132K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $88K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 1,108 | $1.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 549 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,108 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.