| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH ST STE 900 KANSAS CITY, MO 64112 | BLUE SHIELD OF CA CALIFORNIA PHYSICIANS' SERVICE | $0 | $113K | $113K | 4.18% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | KAISER FOUNDATION HEALTH PLAN INC | $63K | — | $63K | 3.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $216 | $216 | 1.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (KANSAS CITY) | 444 W. 47TH STREET KANSAS CITY, MO 64112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $404 | — | $404 | 4.31% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST, STE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $585 | $61 | $646 | 22.08% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CA CALIFORNIA PHYSICIANS' SERVICE | 281 | $4.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 53 | $9K |
| Vision | VISION SERVICE PLAN | 208 | $34K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $76K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $66K |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CA CALIFORNIA PHYSICIANS' SERVICE | 281 | $4.3M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 554 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.