| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET NEW YORK, NY 10038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $91K | — | $91K | 1.31% |
| LOCKTON COMPANIES, LLC3 | DEPTARTMENT 3103 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $40K | $40K | 0.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET NEW YORK, NY 10038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | — | $60K | 2.07% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $283K | — | $283K | 10.89% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $283K | — | $283K | 10.89% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE AND ASSOCIATES, INC. | 1508 NORTH CHURCH ROAD, SUITE B LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 0.48% |
| MJ INSURANCE3 Filed as: CHAD J. BASLER AND VARIOUS AGENTS | 2301 BURLINGTON STREET NORTH KANSAS CITY, MO 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.18% |
| CONSTANCE I LAGER3 Filed as: CONSTANCE I. LAGER | 115 EAST 4TH STREET MARYVILLE, MO 64468 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.14% |
| THE C & S GROUP INC3 Filed as: THE C AND S GROUP, INC. | 2301 BURLINGTON STREET NORTH KANSAS CITY, MO 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.08% |
| JENNIFER L BOYD (SMITH)3 Filed as: JENNIFER L. BOYD | 319 NORTH MAIN STREET, SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.06% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $228K | $25K | $253K | 14.33% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $228K | $25K | $253K | 14.33% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCAITES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | STARR INDEMNITY AND LIABILITY COMPANY | — | $153K | $153K | 15.00% |
| AON CONSULTING INC3 Filed as: AON | 199 WATER STREET NEW YORK, NY 10038 | STARR INDEMNITY AND LIABILITY COMPANY | $74K | — | $74K | 15.00% |
| BENEPLACE, INC.3 | PO BOX 203550 AUSTIN, TX 78720 | ARAG SERVICES, LLC | $8K | — | $8K | 3.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $339 | — | $339 | 10.83% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $339 | — | $339 | 10.83% |
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 | 8,881 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 258 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,139 | 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 | 645 | $3.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 168 | $3.1M |
| Vision | VISION SERVICE PLAN | 9 | $2K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,604 | $8.7M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 7,604 | $1.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,356 | $6.9M |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 23 | $258K |
| Other(6 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 27,522 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,522 | — |
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.