| 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 | — | $224K | $224K | 6.50% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | UNUM INSURANCE COMPANY | $36K | $5K | $41K | 8.02% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | UNUM INSURANCE COMPANY | $36K | $5K | $41K | 8.02% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 C/O COMMERCE BANK KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY | $55K | $8K | $63K | 18.20% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD, STE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY | $55K | $7K | $62K | 17.86% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $24K | — | $24K | 7.50% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | ZURICH AMERICAN INSURANCE COMPANY | — | $22K | $22K | 7.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $25K | $1K | $26K | 10.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | MOUNTAIN WEST SERIES DEPT. 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $3K | $3K | 1.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | — | $38 | $38 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | — | $9 | $9 | 0.00% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36K | $4K | $40K | 21.78% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36K | $3K | $40K | 21.43% |
| 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 | $1K | — | $1K | 26.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 C/O COMMERCE BANK KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 26.65% |
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 | 7,832 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,803 | $8.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 34 | $559K |
| Life insurance(4 contracts, 4 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 8,202 | $3.7M |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 8,202 | $3.4M |
| Long-term disability(2 contracts, 2 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 8,202 | $3.5M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,803 | $8.4M |
| Other(8 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9,770 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,770 | — |
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."
No prospect flags tripped on this filing.