| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $9K | $38K | $47K | 2.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | $83K | $15K | $98K | 11.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LLOYD'S OF LONDON | $81K | — | $81K | 14.29% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: THE INSURANCE PARTNERS, LLC | 11225 COLLEGE BLVD, SUITE 105 OVERLAND PARK, KS 66210 | LLOYD'S OF LONDON | $81K | — | $81K | 14.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $70K | $50K | $120K | 30.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - | HOME OFFICE 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $24K | $24K | 6.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - EXB | EMPLOYEE RISK PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $9K | $44K | 12.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KANSA | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 14.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $4K | $40K | 16.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $14K | $38K | 26.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - | HOME OFFICE 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $7K | $7K | 4.62% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $10K | $24K | 33.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - | HOME OFFICE 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $5K | $5K | 6.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 29.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - | HOME OFFICE 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 6.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 33.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - | HOME OFFICE 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $670 | $670 | 5.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $537 | — | $537 | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $536 | $71 | $607 | 17.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - | HOME OFFICE 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $34 | $34 | 0.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $380 | $239 | $619 | 20.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - | HOME OFFICE 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $120 | $120 | 3.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 4.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 9.57% |
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 | 4,583 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,583 | $402K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $5K |
| Vision(2 contracts) | VISION SERVICE PLAN | 2,877 | $769K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,973 | $4.4M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,452 | $1.4M |
| Other(15 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,973 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,973 | — |
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.