| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HEALTHY ALLIANCE LIFE INSURANCE CO. | $170K | — | $170K | 11.60% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | PO BOX 2153 BIRMINGHAM, AL 35287 | UNION SECURITY INSURANCE COMPANY | $202K | — | $202K | 15.39% |
| RIVER FORD CORPORATION3 | PO BOX 4208 SPRINGFIELD, MO 65808 | UNION SECURITY INSURANCE COMPANY | $135K | — | $135K | 10.26% |
| RIVER FORD CORPORATION3 | 2740 N MAYFAIR AVENUE SPRINGFIELD, MO 65803 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $109K | — | $109K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE CO. | — | $3K | $3K | 2.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 ADMINISTRATOR | Claims processing Service code 12 | — | $1.7M |
| HMO MISSOURI, INC. EIN 37-1216698 ADMINISTRATOR | Claims processing Service code 12 | — | $202K |
| COMPSYCH CORPORATION EIN 36-3739783 ADMINISTRATOR | Contract Administrator Service code 13 | — | $50K |
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 | 2,919 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,951 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 2,930 | $1.1M |
| Vision | VISION SERVICE PLAN | 2,210 | $360K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 2,317 | $1.4M |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 1,924 | $1.3M |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 1,924 | $1.3M |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE CO. | 5,225 | $1.5M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 2,317 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,225 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.