| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN TRUST GROUP LLC3 | PO BOX 7606 OVERLAND PARK, KS 66207 | SUN LIFE ASSURANCE COMPANY OF CANADA | $78K | — | $78K | 7.79% |
| FRIENDSHIP INSURANCE SERVICES LLC3 | DBA FORTRESS INSURANCE SERVICES 1110 E OHIO ST STE B CLINTON, MO 64735 | SUN LIFE ASSURANCE COMPANY OF CANADA | $72K | — | $72K | 7.21% |
| AMERICAN TRUST GROUP LLC3 | PO BOX 639 LAKE OZARK, MO 65049 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $18K | $18K | 1.81% |
| AMERICAN TRUST GROUP LLC3 | PO BOX 7606 OVERLAND PARK, KS 662070606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $78K | — | $78K | 15.00% |
| AMERICAN TRUST GROUP LLC3 | PO BOX 7606 OVERLAND PARK, KS 662070606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| AMERICAN TRUST GROUP LLC3 | PO BOX 7606 OVERLAND PARK, KS 662070606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| AMERICAN TRUST GROUP LLC3 Filed as: AMERICAN TRUST GROUP, LLC | PO BOX 7606 OVERLAND PARK, KS 662070606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| AMERICAN TRUST GROUP LLC3 | PO BOX 7606 OVERLAND PARK, KS 66207 | MUTUAL OF OMAHA INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| AMERICAN TRUST GROUP LLC3 | PO BOX 7606 OVERLAND PARK, KS 662070606 | AMERITAS LIFE INSURANCE CORP | $4K | $633 | $4K | 14.00% |
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 | 874 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 878 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 880 | $1.0M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 880 | $1.0M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 886 | $712K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 563 | $164K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 886 | $131K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,931 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,931 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.