| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD SUITE 300 ST. LOUIS, MO 63141 | KANSAS CITY LIFE INSURANCE COMPANY | $13K | — | $13K | 11.64% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 4435 MAIN ST 4TH FLOOR KANSAS CITY, MO 64111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $181 | $4K | 7.09% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 4.94% |
| THOMAS F. MENGEL3 Filed as: THOMAS JOHN VRATNY | 718 CULLODEN RD. KIRKWOOD, MO 63122 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $613 | — | $613 | 5.74% |
| UMB INSURANCE INC.3 | 928 GRAND BLVD. 6TH FLOOR KANSAS CITY, MO 64106 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $292 | — | $292 | 2.73% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 NEOSHO BLVD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $170 | — | $170 | 1.59% |
| GWENDOLYN BARTHOLEMEW3 | 201 WALNUT STREET LAMAR, MO 64759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.13% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 94 | $62K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 94 | $62K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 167 | $125K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 167 | $114K |
| Other(3 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 167 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.