| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC-DALLAS, TX | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $62K | $62K | 5.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $4K | $28K | 12.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $15K | 10.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH STREET STE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36K | — | $36K | 26.25% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC LLC | PO BOX 441 DES MOINES, IA 50302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 6.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $560 | $4K | 12.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | AMERITAS | $3K | $277 | $3K | 10.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. CO EIN 59-1031071 NONE | Direct payment from the plan; Participant communication; Float revenue; Contract Administrator; Other services; Non-monetary compensation; Claims processing Service code 12 | — | $143K |
| 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 | $58K |
| BKD, LLP EIN 44-0160260 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| DELTA DENTAL OF KANSAS EIN 48-0793267 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $19K |
| PREFERRED RESOURCE NETWORK EIN 43-1613278 NONE | Direct payment from the plan; Contract Administrator Service code 13 | DBA PERSONAL ASSISTANCE SERVICES 9735 LANDMARK PARKWAY DRIVE, STE 17 ST. LOUIS, MO 63127 | $12K |
| LEWIS AND ELLIS EIN 75-1281520 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $8K |
| SELECT ACCOUNT EIN 41-6019132 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $6K |
| CIGNA | Contract Administrator; Direct payment from the plan; Float revenue; Claims processing; Non-monetary compensation; Participant communication; Other services Service code 12 | — | $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 | 438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS | 646 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 500 | $215K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 500 | $143K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 500 | $116K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,028 | $1.2M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 500 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,028 | — |
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.