| 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 | $49K | $0 | $49K | 10.69% |
| CRAIG LOWRANCE3 | PO BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 27.07% |
| ONE SOURCE EMPLOYEE BENEFITS3 | PO BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA LIFE INSURANCE COMPANY | $427 | $0 | $427 | 0.59% |
| MICHAEL C CHAPMAN3 Filed as: MICHAEL CHAPMAN | 2150 PORTWOOD WAY FORT WORTH, TX 76179 | TRANSAMERICA LIFE INSURANCE COMPANY | $81 | $0 | $81 | 0.11% |
| ROBERT DRIESEL3 | 5 WEST CHEROKEE VILLAGE MALL CHEROKEE VILLAGE, AR 72529 | TRANSAMERICA LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.02% |
| T7 TEB OPEN3 | 5740 MARTEL AVE STE B12 DALLAS, TX 75206 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| BENEFIT MANAGEMENT CONSULTANTS3 Filed as: BENEFIT MANAGEMENT CONSULTANTS INC. | 2660 E 32ND STREET, SUITE 100 JOPLIN, MO 64804 | BENEFIT MANAGEMENT CONSULTANTS INC. | $65K | $66K | $130K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ELIXIR CRAFTED RX SOLUTIONS EIN 90-1011712 NONE | Claims processing Service code 12 | 2181 E. AURORA ROAD SUITE 201 TWINSBURG, OH 44087 | $9K |
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 | 369 | 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) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BENEFIT MANAGEMENT CONSULTANTS INC. | 406 | $0 |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 369 | $461K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 369 | $461K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 369 | $533K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 211 | $72K |
| Long-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 211 | $72K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 211 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.