| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 650201260 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | — | $42K | 14.76% |
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 65020 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 3.11% |
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 65020 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 3.04% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN, LLC | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46K | $7K | $53K | 45.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2850 WEST GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $2K | $25K | 30.90% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH INSURANCE GROUP, INC | PO BOX 1260 CAMDENTON, MO 65020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 16.58% |
| WESLEY C VANCE3 | 5620 NW 81ST STREET KANSAS CITY, MO 64151 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH INSURANCE GROUP, INC | PO BOX 1260 CAMDENTON, MO 65020 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 17.29% |
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 | 857 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 174 | $52K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 643 | $117K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 568 | $73K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,501 | $283K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 184 | $131K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,038 | $246K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,501 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,501 | — |
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.
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.