| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MB & ASSOCIATES LLC3 Filed as: MB AND ASSOCIATES, LLC | PO BOX 351 CAMERON, MO 64429 | BLUE CROSS AND BLUE SHEILD OF KANSAS CITY | $15K | $0 | $15K | 1.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD SUITE 400 KANSAS CITY, MO 64108 | BLUE CROSS AND BLUE SHEILD OF KANSAS CITY | $7K | $2K | $10K | 1.31% |
| MB & ASSOCIATES LLC3 Filed as: MB AND ASSOCIATES, LLC | 216 EAST 6TH STREET CAMERON, MO 64429 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $0 | $11K | 11.29% |
| D. PHILIPS INSURANCE, LLC3 | RURAL ROUTE TWO PRINCETON, MO 64673 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $659 | $7K | 7.25% |
| TMB ENTERPRISES INC3 Filed as: TMB ENTERPRISES, INC. | 1307 EAST 31ST KEARNEY, NE 68847 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.92% |
| LAWRENCE A SCHRADER3 Filed as: LAWRENCE A. SCHRADER & OTHER AGENTS | 5631 CHALET FOREST DRIVE ST. LOUIS, MO 63129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.82% |
| ABIGAYLE DEBORAH PHILLIPS3 | 20651 US HIGHWAY 65 PRINCETON, MO 64673 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $123 | $2K | 2.47% |
| MARTIN J URBANSKI3 Filed as: MARTIN J. URBANSKI | 2809 STATE STREET GRAND ISLAND, NE 68803 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $942 | $664 | $2K | 1.67% |
| REBECCA ANN PHILLIPS3 | 104 EAST HAYWARD STREET MEADVILLE, MO 64659 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.06% |
| DALE PHILLIPS3 Filed as: DALE R. PHILLIPS | 20651 US HIGHWAY 65 PRINCETON, MO 64673 | AMERITAS LIFE INSURANCE CORPORATION | $6K | $0 | $6K | 8.23% |
| MB & ASSOCIATES LLC3 Filed as: MB AND ASSOCIATES, LLC | 216 EAST 6TH STREET CAMERON, MO 64429 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 5.01% |
| DALE PHILLIPS3 Filed as: DALE R. PHILLIPS | 20651 US HIGHWAY 65 PRINCETON, MO 64673 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 3.52% |
| MB & ASSOCIATES LLC3 Filed as: MB AND ASSOCIATES, LLC | 216 EAST 6TH STREET CAMERON, MO 64429 | AMERITAS LIFE INSURANCE CORPORATION | $844 | $0 | $844 | 2.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD SUITE 400 KANSAS CITY, MO 64108 | VCP SERVICES, INC.-MISSOURI, DBA VISION CARE DIRECT | $606 | $0 | $606 | 4.14% |
| DALE PHILLIPS3 | 20651 US HIGHWAY 65 PRINCETON, MO 64673 | VCP SERVICES, INC.-MISSOURI, DBA VISION CARE DIRECT | $307 | $0 | $307 | 2.10% |
| MB & ASSOCIATES LLC3 Filed as: MB AND ASSOCIATES, LLC | PO BOX 351 CAMERON, MO 64429 | VCP SERVICES, INC.-MISSOURI, DBA VISION CARE DIRECT | $307 | $0 | $307 | 2.10% |
| CYD M WYATT3 Filed as: CYD M. WYATT | 1011 NORTH 49TH AVENUE OMAHA, NE 68132 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.93% |
| ROBERT E ELLIS3 Filed as: ROBERT E. ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.47% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHEILD OF KANSAS CITY | 365 | $743K |
| Dental(2 contracts) | AMERITAS LIFE INSURANCE CORPORATION | 341 | $108K |
| Vision | VCP SERVICES, INC.-MISSOURI, DBA VISION CARE DIRECT | 206 | $15K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 179 | $96K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 179 | $96K |
| Prescription drug | BLUE CROSS AND BLUE SHEILD OF KANSAS CITY | 365 | $743K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.