| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LESLIE KOSTNER3 | 444 W. 47TH STREET, STE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $49K | — | $49K | 5.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | $12K | — | $12K | 4.00% |
| POWER GROUP COMPANY LLC3 Filed as: POWER GROUP CO LLC | 4551 W 107TH ST., FL 3 OVERALAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 4.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST, STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 1.51% |
| CRETCHER HEARTLAND LLC3 Filed as: CRETCHER HEARTLAND, LLC | 4551 W. 107TH ST, 3RD FLOOR OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $902 | $0 | $902 | 0.31% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICE PLAN | $217 | — | $217 | 0.93% |
| HEARTLAND EMPLOYEE BENEFIT3 Filed as: HEARTLAND EMPLOYEE BENEFIT SERVICES | 15200 SANTA FE DRIVE, SUITE 201 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $341 | $0 | $341 | 12.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET, #900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $82 | — | $82 | 2.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $232K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 NONE | Other commissions Service code 55 | 444 W. 47TH ST. STE 900 KANSAS CITY, MO 641121906 | $0 |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 195 | $980K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $294K |
| Vision | VISION SERVICE PLAN | 388 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $294K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $294K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $294K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 319 | $307K |
| Other | HARTFORD LIFE AND ACCIDENT | 438 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.