| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON DUNNING SERIES - EDINA | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | QBE INSURANCE | $39K | — | $39K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $9K | $43K | 6.58% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | 8575 W. 110TH SUITE 320 OVERLAND PARK, KS 66210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $826 | $18K | 23.19% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $826 | $12K | 15.82% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICE PLAN | $2K | — | $2K | 3.11% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | 8575 W. 110TH SUITE 320 OVERLAND PARK, KS 66210 | RELIANCE LIFE INSURANCE COMPANY | $12K | $617 | $13K | 24.19% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE LIFE INSURANCE COMPANY | $8K | $617 | $9K | 16.51% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 WEST 110TH SUITE 320 OVERLAND PARK, KS 66210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $3K | $368 | $3K | 16.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Direct payment from the plan; Claims processing; Other services Service code 12 | — | $386K |
| LOCKTON COMPANIES LLC (KC SERIES) EIN 20-3354970 NONE | Other commissions; Direct payment from the plan Service code 50 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | $100K |
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 | 421 | 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) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 915 | $656K |
| Vision | VISION SERVICE PLAN | 457 | $61K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 915 | $656K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 915 | $656K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 915 | $656K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 482 | $773K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 457 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 915 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.