| 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 | — | $176K | $176K | 6.11% |
| WILLIAM M ECKLES3 | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $75K | — | $75K | 2.60% |
| DONALD P MORRIS3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $75K | — | $75K | 2.60% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $201K | — | $201K | 10.00% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | UNUM INSURANCE COMPANY | $22K | $3K | $25K | 9.08% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | UNUM INSURANCE COMPANY | $22K | $3K | $25K | 9.08% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 C/O COMMERCE BANK KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $8K | $55K | 25.30% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD, STE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $8K | $55K | 25.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $22K | — | $22K | 10.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | MOUNTAIN WEST SERIES DEPT. 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $3K | $3K | 1.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | — | $3 | $3 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 425 WEST BROADWAY # 300 GLENDALE, CA 91204 | ZURICH AMERICAN INSURANCE COMPANY | — | $69K | $69K | 48.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $11K | — | $11K | 7.50% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $2K | $18K | 16.80% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $2K | $18K | 16.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $25K | — | $25K | 25.00% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $787 | — | $787 | 27.12% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 C/O COMMERCE BANK KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $787 | — | $787 | 27.12% |
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 | 6,886 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 181 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,067 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,086 | $10.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 14 | $362K |
| Life insurance(4 contracts, 4 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,662 | $3.0M |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,662 | $2.9M |
| Long-term disability(2 contracts, 2 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,662 | $2.9M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 2,086 | $10.3M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 4,775 | $2.0M |
| Other(9 contracts, 9 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 7,042 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,042 | — |
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.