| 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 | $178K | — | $178K | 5.05% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $107K | — | $107K | 5.39% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $50K | — | $50K | 8.15% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $711 | $437 | $1K | 6.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $863 | — | $863 | 4.57% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST 444 W 47TH ST, STE 900 KANSAS CITY, MO 64112 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $530 | — | $530 | 2.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES-MOUNTAIN W SERIES | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $131 | $131 | 0.69% |
No Schedule C service providers reported on this filing.
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 | 5,173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 1,104 | $429K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 4,359 | $4.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 5,463 | $2.0M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 5,200 | $711K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,463 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.