| 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 | $12K | — | $12K | 11.10% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 4435 MAIN ST 4TH FLOOR KANSAS CITY, MO 64111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 6.70% |
| THOMAS F. MENGEL3 Filed as: THOMAS JOHN VRATNY | 718 CULLODEN RD. KIRKWOOD, MO 63122 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $763 | — | $763 | 6.13% |
| UMB INSURANCE INC.3 | 928 GRAND BLVD. 6TH FLOOR KANSAS CITY, MO 64106 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $340 | — | $340 | 2.73% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 NEOSHO BLVD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $213 | — | $213 | 1.71% |
| GWENDOLYN BARTHOLEMEW3 | 201 WALNUT STREET LAMAR, MO 64759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.10% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $60K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $60K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 178 | $120K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 178 | $108K |
| Other(3 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 178 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.