| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE CO. | $1K | $1K | $2K | 0.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE CO. | $13K | $7K | $20K | 13.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | GUARDIAN | $13K | $2K | $15K | 17.53% |
| T2B SOLUTIONS INC.3 Filed as: T2B SOLUTIONS INC | PO BOX 43 INDIANOLA, IA 50125 | GUARDIAN | — | $2K | $2K | 2.42% |
| RYAN L BOWLING3 | 9321 W 158TH ST OVERLAND PARK, KS 66221 | GUARDIAN | $374 | — | $374 | 0.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | GUARDIAN | $3K | $3K | $6K | 7.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON | 444 W 47TH ST SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE CO. | $23K | — | $23K | 30.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | GUARDIAN | $5K | $1K | $6K | 18.52% |
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 | 427 | 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) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 520 | $2.4M |
| Dental(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 580 | $271K |
| Vision(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 520 | $2.5M |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 283 | $127K |
| Short-term disability(3 contracts) | GUARDIAN | 283 | $199K |
| Long-term disability(2 contracts) | GUARDIAN | 283 | $121K |
| Other(2 contracts) | GUARDIAN | 283 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.