| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CA, LLC. | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $300K | $300K | 8.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173K | $0 | $173K | 4.84% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING, LLC. | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173K | $0 | $173K | 4.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $28K | $615 | $29K | 10.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 76 BATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 0.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $0 | $921 | $921 | 0.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 3800 COLONNADE PARKWAY SUITE 150 BIRMINGHAM, AL 35243 | METLIFE LEGAL PLANS | $0 | $260 | $260 | 0.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 777 SOUTH FIGUEROA STREET SUITE 2000 LOS ANGELES, CA 90017 | METLIFE LEGAL PLANS | $0 | $127 | $127 | 0.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | UNKNOWN DALLAS, TX 75201 | METLIFE LEGAL PLANS | $0 | $61 | $61 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $1K | $25K | 11.17% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING, LLC. | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $1K | $25K | 11.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 11.53% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING, LLC. | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $943 | $15K | 11.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $24K | $0 | $24K | 25.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $426 | $0 | $426 | 6.51% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING, LLC. | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $426 | $0 | $426 | 6.51% |
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 | 6,768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 446 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,533 | $11.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 28 | $289K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 28 | $289K |
| Life insurance(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 7,183 | $3.6M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 7,183 | $3.6M |
| Long-term disability(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 7,183 | $3.6M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,533 | $11.0M |
| Other(9 contracts, 9 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 7,183 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,183 | — |
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.