| 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 | $63K | — | $63K | 3.66% |
| WILLIS TOWERS WATSON US LLC0 | NALL CORPORATE CENTER II 5700 W 112TH ST OVERLAND PARK, KS 66211 | ANTHEM LIFE INSURANCE | — | $4K | $4K | 3.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 200 DALLAS, TX 75201 | ANTHEM LIFE INSURANCE | — | $2K | $2K | 1.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary Service code 12 | — | $145K |
| THE TABEN GROUP EIN 48-0770908 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $67K |
| MAYER HOFFMAN MCCANN EIN 43-1947695 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $23K |
| PICKETT CHANEY & MCMULLEN, LLP EIN 48-1246310 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $7K |
| SPENCER FANE BRITT & BROWNE EIN 44-0561981 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $5K |
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 | 2,883 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,675 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 1,329 | $1.7M |
| Stop-loss / reinsurancereinsurance | ANTHEM LIFE INSURANCE | 3,897 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,897 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.