| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | ZURICH AMERICAN LIFE INSURANCE COMPANY | — | $174K | $174K | 6.74% |
| WILLIAM M ECKLES3 | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $109K | — | $109K | 4.25% |
| DONALD P MORRIS3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $91K | — | $91K | 3.55% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $197K | $39K | $237K | 12.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON FINANCIAL ADVISORS LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91K | — | $91K | 21.18% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | 11225 COLLEGE BLVD STE 105 OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | — | $18K | 4.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $11K | — | $11K | 3.75% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | ZURICH AMERICAN INSURANCE COMPANY | $11K | — | $11K | 3.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | C/O COMMERCER BANK PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $22K | — | $22K | 9.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 111 E KILBOURN AVE STE 825 MILWAUKEE, WI 53202 | METLIFE LEGAL PLANS | — | $2K | $2K | 0.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $660 | $660 | 0.28% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | — | $42 | $42 | 0.02% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCER BANK PO BOX 843844 KANSAS CITY, MO 64184 | UNUM INSURANCE COMPANY | $10K | $3K | $13K | 9.12% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | UNUM INSURANCE COMPANY | $10K | $3K | $13K | 9.12% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 C/O COMMERCE BANK KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $6K | $39K | 29.10% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD, STE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $6K | $39K | 29.09% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCER BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $2K | $15K | 13.86% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD, STE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $2K | $15K | 13.86% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $25K | — | $25K | 25.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON FINANCIAL ADVISORS LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $984 | — | $984 | 22.33% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | 11225 COLLEGE BLVD STE 105 OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $241 | — | $241 | 5.47% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 C/O COMMERCE BANK KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $234 | — | $234 | 15.24% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $234 | — | $234 | 15.24% |
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 | 5,593 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 103 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,052 | $10.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 13 | $262K |
| Life insurance(4 contracts, 4 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,308 | $2.7M |
| Short-term disability(3 contracts, 3 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,308 | $3.0M |
| Long-term disability(2 contracts, 2 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,308 | $2.6M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 2,052 | $10.5M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 4,566 | $2.0M |
| Other(9 contracts, 9 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 6,794 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,794 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.