| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 2.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $859K |
| COMMERCE BANK N.A. EIN 44-0206815 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $81K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $80K |
| TABEN GROUP EIN 48-0770908 NONE | Direct payment from the plan; Other fees Service code 50 | — | $66K |
| CRUMP CONSULTING EIN 48-1222156 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $39K |
| GUIDESPARK, INC. EIN 26-2229814 NONE | Direct payment from the plan; Participant loan processing Service code 37 | — | $31K |
| MAYER HOFFMAN MCCANN PC EIN 43-1947695 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| SPENCER FANE BRITT & BROWNE EIN 44-0561981 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $26K |
| BACKSTITCH INC EIN 46-0850010 NONE | Participant communication Service code 38 | — | $25K |
| MCGRIFF, SEIBELS & WILLIAMS, INC EIN 20-0468966 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $6K |
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 | 1,604 | 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) | 1,617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,559 | $611K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,619 | $227K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,624 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,559 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.