| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGEE LC3 Filed as: THOMAS MCGEE L C | 120 W. 12TH STREET SUITE 1000 KANSAS CITY, MO 64105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 5.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 1.87% |
| RYAN BOWLING3 Filed as: RYAN L BOWLING | 9321 W 158TH ST OVERLAND PARK, KS 66221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.07% |
| THOMAS MCGEE LC3 Filed as: THOMAS MCGEE L.C. | 920 MAIN ST., STE. 1700 KANSAS CITY, MO 64108 | EYE MED | $2K | — | $2K | 10.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 843844 KANSAS CITY, MO 641843844 | EYE MED | $376 | — | $376 | 1.95% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICE PLAN | $127 | — | $127 | 1.36% |
| THOMAS MCGEE LC3 Filed as: THOMAS MCGEE, L.C. | PO BOX 419013 KANSAS CITY, MO 641416013 | VISION SERVICE PLAN | $589 | — | $589 | 6.32% |
| CASSANDRA L PRINKE4 | 25825 N MOON BLOSSUM LN PHOENIX, AZ 85083 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $864 | — | $864 | 23.43% |
| DULEY BOLWAR & ASSOCIATES INC4 Filed as: DULEY BOLWAR AND ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $651 | — | $651 | 17.65% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 852603107 | RELIASTAR LIFE INSURANCE COMPANY | $143 | — | $143 | 5.49% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 494 | $473K |
| Vision(3 contracts, 2 carriers) | EYE MED | 402 | $38K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 494 | $475K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 494 | $473K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 494 | $473K |
| Stop-loss / reinsurancereinsurance(2 contracts) | TOKIO MARINE HCC | 308 | $594K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 494 | $479K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.