| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COX HEALTH SYSTEMS INSURANCE CO5 Filed as: COX HEALTH SYSTEMS INSURANCE COMPAN | PO BOX 5750 SPRINGFIELD, MO 658015750 | COX HEALTH SYSTEMS INSURANCE COMPANY | — | $162K | $162K | 7.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P O BOX 632886 CINCINNATI, OH 45263 | COX HEALTH SYSTEMS INSURANCE COMPANY | $71K | — | $71K | 3.28% |
| NATIONAL INSURANCE MARKETING BROKER3 Filed as: NATIONAL INSURANCE MARKETING B | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | GUARDIAN | $39K | $6K | $45K | 7.57% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 721 EMERSON ROAD STE. 400 SAINT LOUIS, MO 63141 | GUARDIAN | $24K | $2K | $26K | 4.37% |
| WOODY FINANCIAL GROUP INC3 | 7311 W 130TH ST#130 OLATHE, KS 66061 | GUARDIAN | $49 | — | $49 | 0.01% |
| NATIONAL INS MARKETING BROKERS3 | 4551 W 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75K | — | $75K | 52.43% |
| NATIONAL INSURANCE MARKETING BROKER3 Filed as: NATIONAL INSURANCE MARKETING B | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | GUARDIAN | $1K | $253 | $2K | 15.33% |
| WOODY FINANCIAL GROUP INC3 | 7311 W 130TH ST#130 OLATHE, KS 66061 | GUARDIAN | $18 | — | $18 | 0.17% |
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 | 672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 432 | $2.2M |
| Dental | GUARDIAN | 429 | $589K |
| Vision | GUARDIAN | 429 | $589K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 429 | $731K |
| Short-term disability | GUARDIAN | 429 | $589K |
| Long-term disability(2 contracts) | GUARDIAN | 429 | $600K |
| Other | GUARDIAN | 429 | $589K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.