| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70K | $10K | $80K | 19.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | PO BOX 31817 CHARLOTTE, NC 282311817 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 6.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA | PO BOX 101162 PASADENA, CA 911891162 | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 2.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | — | $234 | $234 | 0.08% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | — | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $2K | $16K | 17.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | PO BOX 31817 CHARLOTTE, NC 28231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC | 40 W. BROAD STREET GREENVILLE, SC 29601 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
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 | 585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,278 | $341K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 864 | $50K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 589 | $306K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 589 | $306K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 712 | $819K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,278 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.