| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $522K | $9K | $531K | 25.41% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $80K | $18K | $98K | 13.47% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $89K | $26K | $115K | 19.50% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $69K | $21K | $90K | 16.61% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.90% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $55K | $15K | $70K | 16.26% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51K | $9K | $61K | 16.50% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47K | $10K | $56K | 19.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $11K | $46K | 18.34% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.55% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $6K | $22K | 20.41% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $864 | — | $864 | 0.82% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 3.30% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 8.97% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $676 | $2K | $2K | 13.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 ADMINISTRATOR | Contract Administrator Service code 13 | — | $301K |
| PRODUCER HUB LLC EIN 81-4085424 CONSULTING | Consulting (general) Service code 16 | — | $142K |
| REGIONAL CARE, INC EIN 47-0760050 TPA | Claims processing Service code 12 | — | $76K |
| APEX MANAGEMENT GROUP INC EIN 81-3118638 CONSULTING | Consulting (general) Service code 16 | — | $62K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Insurance agents and brokers Service code 22 | — | $52K |
| MULTI PLAN INC EIN 13-3068979 PPO | Insurance services Service code 23 | — | $22K |
| TELADOC INC EIN 04-3705970 INSURANCE SERVICES | Insurance services Service code 23 | — | $13K |
| WEX ADMINISTRATOR | Contract Administrator Service code 13 | 700 26TH AVENUE E 701-969-6752 WEST FARGO, ND 58078 | $12K |
| KORY KISLING EIN 60-1083804 BROKER | Insurance agents and brokers Service code 22 | — | $5K |
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 | 3,222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,829 | $2.1M |
| Dental(8 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 835 | $3.3M |
| Vision(8 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 835 | $3.3M |
| Life insurance(8 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 835 | $3.3M |
| Short-term disability(10 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 835 | $3.4M |
| Long-term disability(8 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 835 | $3.3M |
| Other(8 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 835 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,829 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.