| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEE ATTACHED3 Filed as: SEE ATTACHMENT FOR DETAILS | — | AFLAC | $80K | $6K | $86K | 22.46% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | THE LINCOLN NATIONL LIFE INSURANCE COMPANY | $23K | $1K | $25K | 8.64% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD ROAD, SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONL LIFE INSURANCE COMPANY | — | $14K | $14K | 4.78% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.85% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.63% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS | 1530 RAX COURT JEFFERSON CITY, MO 65109 | PRINCIPAL LIFE INSURANCE COMPANY | $27K | $12K | $40K | 16.08% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 3.92% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 SAINT LOUIS, MO 63122 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.45% |
| ACRISURE LLC3 | 2625 WEST PETERSON AVENUE CHICAGO, IL 60659 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.44% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.41% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $293 | $5K | 8.60% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.89% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.27% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRINCIPAL LIFE INSURANCE COMPANY | $907 | — | $907 | 3.73% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 SAINT LOUIS, MO 63122 | PRINCIPAL LIFE INSURANCE COMPANY | $611 | — | $611 | 2.51% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $97 | — | $97 | 0.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RXBENEFITS, INC. EIN 63-1157085 ADMINISTRATOR | Contract Administrator Service code 13 | — | $9K |
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 | 1,075 | 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) | 1,075 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AFLAC | 887 | $671K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 586 | $60K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,349 | $247K |
| Short-term disability | AFLAC | 654 | $383K |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,349 | $271K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 840 | $832K |
| Other(2 contracts, 2 carriers) | AFLAC | 1,349 | $630K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,349 | — |
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.