| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORREST T JONES AND COMPANY, INC3 Filed as: FORREST T. JONES & CO., INC. | PO BOX 418131 KANSAS CITY, MO 64179 | UNUM LIFE INSURANCE OF AMERICA | $406 | — | $406 | 0.69% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS BLUE SHIELD OF KANSAS CI | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $3K | — | $3K | 6.00% |
| CONNIE CASTANUELA HEBLING4 Filed as: CONNIE CASTANUELA HELBLING | APT. 1202 732 W. BITTERSWEET PL. CHICAGO, IL 60613 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $424 | — | $424 | 10.70% |
| FORREST T JONES AND COMPANY, INC4 Filed as: FORREST T. JONES & CO, INC. | 3130 BROADWAY KANSAS CITY, MO 64111 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $58 | — | $58 | 1.46% |
| ARRON M. GONZALES4 | APT. 21 4030 N. STORY RD. IRVING, TX 75038 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $44 | — | $44 | 1.11% |
| FORREST T JONES AND COMPANY, INC7 Filed as: FORREST T. JONES & CO., INC. | 3130 BROADWAY KANSAS CITY, MO 64111 | CIGNA GROUP INSURANCE | $142 | — | $142 | 14.95% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 373 | $1.9M |
| Dental | DELTA DENTAL OF MISSOURI | 339 | $106K |
| Vision | EYEMED VISION CARE | 270 | $35K |
| Life insurance(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 203 | $121K |
| Long-term disability | USABLE LIFE | 203 | $51K |
| Other(3 contracts, 3 carriers) | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | 220 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.