| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | STANDARD INSURANCE COMPANY | $26K | — | $26K | 1.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON DUNNING COMPANIES LLC | 2100 ROSS AVENUE, SUITE 200 DALLAS, TX 75201 | UNIMERICA INSURANCE COMPANY | $69K | — | $69K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Other services; Direct payment from the plan; Contract Administrator; Claims processing; Non-monetary compensation; Float revenue; Participant communication Service code 12 | — | $613K |
| JP MORGAN EIN 13-3200244 NONE | Other fees; Direct payment from the plan Service code 50 | — | $55K |
| TABEN GROUP EIN 48-0770908 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $52K |
| MAYER HOFFMAN MCCANN EIN 43-1947695 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $28K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $20K |
| SPENCER FANE BRITT & BROWNE EIN 44-0561981 NONE | Legal; Direct payment from the plan Service code 29 | — | $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 | 2,457 | 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) | 2,465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 680 | $205K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,340 | $1.6M |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 3,684 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,684 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.