| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123402 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $29K | $29K | 1.47% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103K | $0 | $103K | 9.75% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103K | $0 | $103K | 9.75% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J. FRYE | 1508 NORTH CHURCH ROAD, SUITE B LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $765 | $0 | $765 | 0.07% |
| JENNIFER L BOYD (SMITH)3 Filed as: JENNIFER L. BOYD AND OTHER AGENTS | 319 NORTH MAIN STREET, SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $750 | $0 | $750 | 0.07% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE AND ASSOCIATES, INC. | 1508 NORTH CHURCH ROAD, SUITE B LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $707 | $0 | $707 | 0.07% |
| TH C AND S GROUP, INC.3 | 2301 BURLINGTON STREET NORTH KANSAS CITY, MO 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $305 | $0 | $305 | 0.03% |
| WESNER ENTERPRISES LLC3 Filed as: WESNER ENTERPRISES, LLC | 416 NE 101ST STREET KANSAS CITY, MO 64155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $245 | $0 | $245 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | UNKNOWN HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $0 | $16K | 2.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49K | $5K | $54K | 8.09% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULVARD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49K | $5K | $54K | 8.09% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 SOUTH RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $794 | $0 | $794 | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | UNKNOWN HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | $0 | $38K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $0 | $43K | $43K | 15.00% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $108 | $108 | 0.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $34K | $0 | $34K | 15.00% |
| BENEPLACE, INC.3 | PO BOX 203550 AUSTIN, TX 78720 | ARAG SERVICES, LLC | $2K | $0 | $2K | 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 | $6K | $0 | $6K | 15.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $60 | $0 | $60 | 8.82% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULVARD, SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $60 | $0 | $60 | 8.82% |
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 | 2,721 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 293 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,014 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 665 | $1.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 665 | $1.1M |
| Vision | VISION SERVICE PLAN | 8 | $1K |
| Life insurance(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,996 | $2.6M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,721 | $2.3M |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 18 | $285K |
| Other(7 contracts, 6 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,996 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,996 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.