| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 2.30% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 1.52% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 3.09% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 3.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TABEN, LC EIN 48-1197135 FSA ADMINISTRATOR | Contract Administrator Service code 13 | — | $22K |
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 | 2,718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,365 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,083 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 592 | $172K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 1,050 | $1.4M |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 1,536 | $762K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,624 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,624 | — |
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.