| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOWRANCE INS BENEFITS LLC3 | PO BOX 11343 SPRINGFIELD, MO 65808 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 5.03% |
| CRAIG LOWRANCE3 | PO BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA LIFE INSURANCE COMPANY | $26K | $0 | $26K | 23.96% |
| ONE SOURCE EMPLOYEE BENEFITS3 | PO BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA LIFE INSURANCE COMPANY | $671 | $0 | $671 | 0.62% |
| MICHAEL C CHAPMAN3 Filed as: MICHAEL CHAPMAN | 2150 PORTWOOD WAY FORT WORTH, TX 76179 | TRANSAMERICA LIFE INSURANCE COMPANY | $153 | $0 | $153 | 0.14% |
| ROBERT DRIESEL3 | 5 WEST CHEROKEE VILLAGE MALL CHEROKEE VILLAGE, AR 72529 | TRANSAMERICA LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.02% |
| CHAD PANEPINTO3 | 5740 MARTEL AVE STE B12 DALLAS, TX 75206 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| BENEFIT MANAGEMENT, INC.3 | PO BOX 3001 JOPLIN, MO 64803 | BENEFIT MANAGEMENT, INC. | $48K | $69K | $117K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDTRACK SERVICES, LLC EIN 36-4221427 NONE | Claims processing Service code 12 | 7101 COLLEGE BLVD, STE 1000 OVERLAND PARK, KS 66210 | $8K |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BENEFIT MANAGEMENT, INC. | 410 | $0 |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 346 | $248K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 346 | $248K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 218 | $107K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 218 | $107K |
| Long-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 218 | $107K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 218 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.