| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $55K | — | $55K | 6.94% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1400 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 0.43% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | $167 | $5K | 9.13% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850, DEPT 999228 DENVER, CO 80217 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $678 | $678 | 1.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BIND BENEFITS, INC. DBA SUREST EIN 81-4560965 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $531K |
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 ADMINISTRATION | Contract Administrator Service code 13 | — | $51K |
| RELIASTAR LIFE INSURANCE CO. EIN 41-0451140 EAP ADMINISTRATOR | Contract Administrator Service code 13 | — | $7K |
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 | 1,413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SURENCY LIFE AND HEALTH | 1,107 | $106K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,839 | $797K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,839 | $797K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,839 | $797K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,839 | $855K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,839 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.