| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $30K | $30K | 1.51% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | UNKNOWN HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.68% |
| BC INSOURCING LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63K | $0 | $63K | 11.27% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | $0 | $36K | 6.39% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | $0 | $33K | 5.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | $0 | $25K | 4.37% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE AND ASSOCIATES, INC. | 1508 NORTH CHURCH ROAD, SUITE B LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $607 | $0 | $607 | 0.11% |
| MJ INSURANCE3 Filed as: JENNIFER L. BOYD AND VARIOUS AGENTS | 319 NORTH MAIN STREET, SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $423 | $0 | $423 | 0.08% |
| 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 | $138 | $0 | $138 | 0.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40K | $4K | $44K | 9.06% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40K | $4K | $43K | 9.05% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 SOUTH RIVERSIDE PLAZA, SUITE 110 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $493 | $0 | $493 | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | UNKNOWN HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 3.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 1.15% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $0 | $41K | $41K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $40K | $0 | $40K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $364 | $364 | 0.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | UNKNOWN HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $108 | $108 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM INSURANCE COMPANY | $18K | $0 | $18K | 8.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 1.06% |
| BENEPLACE, INC.3 | PO BOX 203550 AUSTIN, TX 78720 | ARAG SERVICES, LLC | $2K | $0 | $2K | 3.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $68 | $0 | $68 | 24.11% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $68 | $0 | $68 | 24.11% |
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 | 2,748 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,748 | 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 | 28 | $900K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 28 | $900K |
| Vision | VISION SERVICE PLAN | 8 | $1K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,748 | $2.0M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,748 | $2.3M |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 18 | $259K |
| Other(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,748 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,748 | — |
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.