| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $98K | $127K | 16.35% |
| NATIONAL ACCOUNT SERVICES3 | 11111 SANTA MONICA BLVD SUITE 1150 LOS ANGELES, CA 90025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $42K | $52K | 6.66% |
| HEALTH AND BENEFIT SYSTEM3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | — | $29K | 3.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL STE 415 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $16K | $16K | 2.13% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 0.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $362 | $362 | 0.05% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $319 | $319 | 0.04% |
| NATIONAL ACCOUNT SERVICE3 | 11111 SANTA MONICA BLVD SUITE 1150 LOS ANGELES, CA 90025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $20K | $24K | 7.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL, STE 415 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 2.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 0.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON FINANCIAL ADVISORS LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | — | $38K | 11.81% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 6.61% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | 11225 COLLEGE BLVD SUITE 105 OVERLAND PARK, KS 66210 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 5.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $29K | $37K | 15.22% |
| NATIONAL ACCOUNT SERVICES3 | 11111 SANTA MONICA BLVD SUITE 1150 LOS ANGELES, CA 90025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $12K | $15K | 6.30% |
| HEALTH AND BENEFIT SYSTEM3 | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 3.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL SUITE 415 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 2.17% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $945 | $945 | 0.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $210 | $210 | 0.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $29K | $34K | 15.30% |
| NATIONAL ACCOUNT SERVICES3 | 11111 SANTA MONICA BLVD STE 1150 LOS ANGELES, CA 90025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $12K | $15K | 6.81% |
| HEALTH AND BENEFIT SYSTEM3 | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 3.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL STE 415 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 2.23% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $910 | $910 | 0.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $278 | $278 | 0.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $33K | — | $33K | 34.30% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $15K | 21.29% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH AND BENEFIT SYSTEMS INC | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $15K | 21.02% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH AND BENEFIT SYSTEMS INC | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $2K | $13K | 27.39% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $1K | $13K | 26.20% |
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 | 5,258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,879 | $9.1M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 7,770 | $4.6M |
| Vision | VISION SERVICE PLAN | 4,911 | $748K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,137 | $823K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,137 | $333K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,137 | $565K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 1,879 | $8.6M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,633 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,770 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.