| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 12980 METCALF, STE 500 OVERLAND PARK, KS 66213 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 5700 W 112TH ST, STE 100 OVERLAND PARK, KS 66211 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 9.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA | PO BOX 101162 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $718 | $718 | 1.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $75 | — | $75 | 0.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 10 S LASALLE ST, STE 3000 CHICAGO, IL 60603 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.05% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS BROKERS | UNKNOWN CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $950 | — | $950 | 3.65% |
| MICHAEL ELLIS3 | 1600 HERITAGE, STE 115 ST. CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $433 | — | $433 | 1.67% |
| SHARON K BERKEL MASTERS3 Filed as: SHARON BERKEL | 8 WESTWOOD ESTATES DR ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $295 | — | $295 | 1.13% |
| FRANK I SCHELLINGERHOUT3 Filed as: FRANK SCHELLINGERHOUT | 9 SUNNYFIELD RD ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 0.67% |
| SHARON ORTMEYER3 | 1600 HERITAGE LANDING, STE 115 ST. CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156 | — | $156 | 0.60% |
| JEREMY GEISLER INC3 | 1795 CLARKSON RD, STE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC. | 5700 W 112TH ST, STE 100 OVERLAND PARK, KS 66211 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.00% |
| USI INSURANCE SERVICES LLC3 | 308 N 21ST ST, STE 100 ST. LOUIS, MO 63103 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $107 | $107 | 0.83% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE | 212 | $1.2M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 168 | $84K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 165 | $44K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 165 | $44K |
| Prescription drug | AETNA LIFE INSURANCE | 212 | $1.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 165 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.