| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | UNKNOWN HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $123K | — | $123K | 1.69% |
| LOCKTON COMPANIES, LLC3 | DEPT 3103 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $40K | $40K | 0.55% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 | 9300 WEST 110TH STREET SUITE 520 OVERLAND PARK, KS 66210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $438K | — | $438K | 14.74% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $438K | — | $438K | 14.74% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J. FRYE AND ASSOCIATES, INC. | 1508 NORTH CHURCH ROAD, SUITE B LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | — | $26K | 0.87% |
| MJ INSURANCE3 Filed as: RYAN S. WESNER AND VARIOUS AGENTS | 1508 NORTH CHURCH ROAD, SUITE B LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 0.36% |
| CONSTANCE I LAGER3 Filed as: CONSTANCE I. LAGER | 5109 NE 55TH TERRACE KANSAS, MO 64119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 0.35% |
| JENNIFER L BOYD (SMITH)3 Filed as: JENNIFER L. BOYD SMITH | 319 NORTH MAIN STREET SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.18% |
| CHAD J BASLER3 Filed as: CHAD J. BASLER | 2301 BURLINGTON STREET NORTH KANSAS CITY, MO 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | UNKNOWN HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | — | $57K | 1.94% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCAITES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | STARR INDEMNITY & LIABILITY COMPANY | — | $214K | $214K | 15.00% |
| AON CONSULTING INC3 Filed as: AON | 199 WATER STREET NEW YORK, NY 10038 | STARR INDEMNITY & LIABILITY COMPANY | $83K | — | $83K | 15.00% |
| BENEPLACE, INC.3 | PO BOX 203550 AUSTIN, TX 78720 | ARAG SERVICES, LLC | $11K | — | $11K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF TEXAS | — | $2 | $2 | 0.00% |
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 | 12,028 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 309 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,193 | $3.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,193 | $3.1M |
| Vision | VISION SERVICE PLAN | 8 | $2K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,719 | $7.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,719 | $7.3M |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 25 | $181K |
| Other(5 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 26,714 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,714 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.