| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 120 WEST 12TH STREET, SUITE 1000 KANSAS CITY, MO 64105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $0 | $40K | 17.61% |
| THOMAS MCGEE LLC3 Filed as: THOMAS MCGEE, LLC | UNKNOWN ST. LOUIS, MO 63110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$32 | $0 | -$32 | -0.01% |
| JOHN D. JOYCE3 | 120 WEST 12TH STREET, SUITE 1000 KANSAS CITY, MO 64105 | KANSAS CITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.96% |
| UNKNOWN3 | UNKNOWN ST. LOUIS, MO 63110 | EMPLOYEE AND FAMILY RESOURCES, INC. | $181 | $0 | $181 | 6.98% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $226K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $226K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $226K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 104 | $51K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 104 | $51K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 104 | $51K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $226K |
| Other(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 108 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.