| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRIS FINANCIAL GROUP3 | PO BOX 309 SPARTA, MO 65753 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KANSAS CITY LIFE INSURANCE COMPANY | $313 | — | $313 | 0.86% |
| MORRIS FINANCIAL GROUP3 | PO BOX 309 SPARTA, MO 65753 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KANSAS CITY LIFE INSURANCE COMPANY | $209 | — | $209 | 0.89% |
| MORRIS FINANCIAL GROUP3 | PO BOX 309 SPARTA, MO 65753 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | — | $1K | 6.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KANSAS CITY LIFE INSURANCE COMPANY | $157 | — | $157 | 0.82% |
| MORRIS FINANCIAL GROUP3 | PO BOX 309 SPARTA, MO 65753 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KANSAS CITY LIFE INSURANCE COMPANY | $140 | — | $140 | 0.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RESOURCE ONE ADMINISTRATORS TPA - COASTAL ENERGY CORP | Claims processing; Contract Administrator Service code 12 | 1350 S BOULDER AVE, 300 TULSA, OK 74119 | $32K |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 50 | $60K |
| Vision(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 50 | $60K |
| Life insurance(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 52 | $36K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SIRIUS AMERICA INSURANCE COMPANY | 98 | $210K |
| Other(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 52 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.