| 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 | — | $214K | $214K | 7.06% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $79K | — | $79K | 2.61% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $79K | — | $79K | 2.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 777 S. FIGUEROA ST SUITE 1900 LOS ANGELES, CA 90017 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $189K | — | $189K | 10.26% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | UNUM INSURANCE COMPANY | $26K | $4K | $30K | 9.24% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | UNUM INSURANCE COMPANY | $26K | $4K | $30K | 9.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $20K | — | $20K | 7.50% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | ZURICH AMERICAN INSURANCE COMPANY | — | $14K | $14K | 5.19% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 C/O COMMERCE BANK KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $6K | $44K | 18.09% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD, STE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $6K | $44K | 18.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $23K | — | $23K | 10.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | MOUNTAIN WEST SERIES DEPT. 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $3K | $3K | 1.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | — | $71 | $71 | 0.03% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $2K | $20K | 18.24% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $2K | $20K | 18.24% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $21K | — | $21K | 25.00% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $975 | — | $975 | 26.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 C/O COMMERCE BANK KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $975 | — | $975 | 26.52% |
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 | 6,847 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 194 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,807 | $9.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15 | $362K |
| Life insurance(4 contracts, 4 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,685 | $3.2M |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,685 | $3.0M |
| Long-term disability(2 contracts, 2 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,685 | $3.0M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 1,807 | $8.9M |
| Stop-loss / reinsurancereinsurance | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 39 | $1.8M |
| Other(9 contracts, 9 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 7,012 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,012 | — |
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.