| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUDER, DANIEL A3 | 75 REMITTANCE DR STE 1446 CHICAGO, IL 60075 | KANSAS CITY LIFE INSURANCE COMPANY | $4K | — | $4K | 8.65% |
| ADAM J ZAHN3 | 507 MAPLE RIDGE CT BLACK CREEK, WI 54106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $293 | $2K | 13.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.07% |
| CAMERON SUTTON ROBERTS3 Filed as: CAMERON SUTTON ROBBERTS | N9404 ROSELLA DR APPLETON, WI 54915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $347 | $196 | $543 | 3.41% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 123 | $62K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 123 | $46K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 123 | $46K |
| Other(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 123 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.