| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH INSURANCE AGENCY, INC | PO BOX 1260 CAMDENTON, MO 65020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | — | $48K | 16.79% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATORS | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.79% |
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 65020 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 9.32% |
| 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 | $36K | $1K | $37K | 27.81% |
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 65020 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 13.94% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN, LLC | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | $4K | $48K | 61.35% |
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH INSURANCE AGENCY, INC | PO BOX 1260 CAMDENTON, MO 65020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.91% |
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH INSURANCE GROUP, INC | PO BOX 1260 CAMDENTON, MO 65020 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 13.31% |
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH INSURANCE GROUP, INC | PO BOX 1260 CAMDENTON, MO 650201260 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 16.62% |
| PLANSOURCE BENEFITS ADMINISTRATION5 | 101 S GARLAND AVE, SUITE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.53% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN, LLC | 1125 E. LAKEWOOD ST SPRINGFIELD, MO 658102434 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $717 | $6K | 17.00% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 11.59% |
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 | 781 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 163 | $52K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 694 | $79K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 197 | $32K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 156 | $214K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,336 | $241K |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 948 | $472K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,336 | — |
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.