| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $50K | $50K | 1.93% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201K | $0 | $201K | 10.50% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201K | $0 | $201K | 10.50% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE AND ASSOCIATES INC. | 1508 NORTH CHURCH ROAD, SUITE B LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.17% |
| MJ INSURANCE3 Filed as: CHAD BASLER AND VARIOUS AGENTS | 2301 BURLINGTON STREET NORTH KANSAS CITY, MO 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $804 | $0 | $804 | 0.04% |
| THE C & S GROUP INC3 Filed as: THE C & S GROUP, INC. | 2301 BURLINGTON STREET NORTH KANSAS CITY, MO 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $718 | $0 | $718 | 0.04% |
| WESNER ENTERPRISES LLC3 Filed as: WESNER ENTERPRISES, LLC | 416 NE 101ST STREET KANSAS CITY, MO 64155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $600 | — | $600 | 0.03% |
| JENNIFER L BOYD (SMITH)3 Filed as: JENNIFER L. BOYD | 319 NORTH MAIN STREET, SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $467 | $0 | $467 | 0.02% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $137K | $21K | $159K | 13.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $137K | $21K | $158K | 13.61% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 SOUTH RIVERSIDE PLAZA, SUITE 110 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $0 | $20K | 2.04% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $55K | $0 | $55K | 15.00% |
| BENEPLACE, INC.3 | PO BOX 203550 AUSTIN, TX 78720 | ARAG SERVICES, LLC | $4K | $0 | $4K | 3.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $8K | $0 | $8K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $20 | $0 | $20 | 2.51% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $20 | $0 | $20 | 2.51% |
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 | 3,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 301 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,404 | 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 | 779 | $1.3M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 779 | $1.3M |
| Vision | VISION SERVICE PLAN | 8 | $1K |
| Life insurance(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,065 | $3.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,153 | $2.6M |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 20 | $290K |
| Other(6 contracts, 6 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 31,365 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,365 | — |
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.