| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $116K | $5K | $121K | 2.60% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $545K | $74K | $619K | 33.43% |
| BENEFIT COMMUNICATION INSOURCING3 | 6363 COLLEGE BOULEVARD, SUITE 500 LEAWOOD, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $545K | $63K | $608K | 32.82% |
| BIGGIN CONSULTING SERVICES LLC3 Filed as: BIGGIN CONSOLUTING SERVICES, LLC | 2800 JORDAN GROVE WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.36% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | $0 | $55K | 19.98% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | HYATT LEGAL PLANS | $25K | $0 | $25K | 10.92% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY WESTERN STATES | 100 MONTGOMERY STREET, SUITE 500 SAN FRANCISCO, CA 94104 | HYATT LEGAL PLANS | $0 | $38 | $38 | 0.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | EMPLOYERS DENTAL SERVICES | $9K | $0 | $9K | 8.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY WESTERN STATES | 100 MONTGOMERY STREET, SUITE 500 SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $38 | $7K | 7.75% |
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 | 9,872 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 83 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,036 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMPLOYERS DENTAL SERVICES | 1,189 | $112K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 7,880 | $797K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 9,872 | $4.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 9,872 | $4.7M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 9,872 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,872 | — |
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.