| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | KS CITY SERIES 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | HCC LIFE INSURANCE COMPANY | $37K | — | $37K | 4.99% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $14K | $39K | 7.73% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICE PLAN | $2K | — | $2K | 3.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $480K |
| LOCKTON COMPANIES 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 | 426 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 824 | $507K |
| Vision | VISION SERVICE PLAN | 401 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 824 | $507K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 824 | $507K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 824 | $507K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 971 | $750K |
| Other | HARTFORD LIFE AND ACCIDENT | 0 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 971 | — |
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.