| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 631417088 | RELIASTAR LIFE INSURANCE COMPANY | $38K | — | $38K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST STE 600 TERRI KUESER KANSAS CITY, MO 64112 | DELTA DENTAL | $6K | — | $6K | 1.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES LLC | 444 W 47TH STREET 600 KANSAS CITY, MO 641121919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $5K | $18K | 22.15% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET 600 KANSAS CITY, MO 641121919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.58% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICE PLAN | $2K | — | $2K | 3.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET 600 KANSAS CITY, MO 641121919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET 600 KANSAS CITY, MO 641121919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $543 | $2K | 22.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEMPTON GROUP EIN 73-1201547 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $81K |
| CORESOURCE EIN 35-1846036 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $74K |
| ENVISION RX EIN 05-0570786 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $21K |
| RELIANCE STANDARD EIN 36-0883760 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTAR LIFE INSURANCE COMPANY | 427 | $382K |
| Dental | DELTA DENTAL | 429 | $305K |
| Vision | VISION SERVICE PLAN | 408 | $58K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 457 | $130K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 214 | $67K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 427 | $382K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 457 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.