| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | $35K | — | $35K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $4K | $20K | 16.79% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 16.52% |
| KEVIN J DICKHERBER3 | 7571 N FALL CREEK DRIVE COLUMBIA, MO 65202 | AFLAC | $6K | $84 | $6K | 11.72% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING, INC. | 3606 RIDGEVIEW DRIVE, SUITE 200 COLUMBIA, MO 65203 | AFLAC | $648 | — | $648 | 1.21% |
| AARON C EVERLY3 | 1123 WILKES BOULEVARD, SUITE 330 COLUMBIA, MO 65201 | AFLAC | $376 | $20 | $396 | 0.74% |
| MARGARET E MYERS3 | 202 GALVESTON XING, APT 118 HOUSTON, TX 77077 | AFLAC | $108 | — | $108 | 0.20% |
| KATIE JO WHITLEY3 | 1508 BODIE DRIVE COLUMBIA, MO 65202 | AFLAC | $32 | $20 | $52 | 0.10% |
| JENNIFER LOWE3 | 502 MOONLIGHT CIRCLE NEW BRAUNFELS, TX 78132 | AFLAC | $28 | — | $28 | 0.05% |
| GARY WILLIAM FITCH3 | 12050 W ROCHEPORT GRAVEL ROAD ROCHEPORT, MO 65279 | AFLAC | $27 | — | $27 | 0.05% |
| JOHN SCHAEFFERKOETTER3 | 6002 STERLING RIDGE ROAD JEFFERSON CITY, MO 65101 | AFLAC | $25 | — | $25 | 0.05% |
| JANEANE E BROCKMAN3 | 5804 LEATHERBROOK DRIVE COLUMBIA, MO 65203 | AFLAC | $19 | — | $19 | 0.04% |
| CLARENCE E (GENE) DANNELLY3 Filed as: CLARENCE E(GENE)DANNELLY | 20110 AMBERVINE CIRCLE KATTY, TX 77450 | AFLAC | $11 | — | $11 | 0.02% |
| JUDY E GRIMES3 | 5615 REYNOLDS ROAD AUSTIN, TX 78749 | AFLAC | $11 | — | $11 | 0.02% |
| BRADLEY K HARRISON3 | 3432 W TRUMAN BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $4 | — | $4 | 0.01% |
| TYSON C FUNK3 | 917 CROWN POINTE TERRACE COURT WILDWOOD, MO 63021 | AFLAC | $1 | — | $1 | 0.00% |
| AUSTIN J PETERSON3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $327 | $2K | 16.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $136K |
| TRIA HEALTH, LLC EIN 27-1515235 CLAIMS PROCESSING | Claims processing Service code 12 | — | $27K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 DENTAL ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $20K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 EAP ADMINISTRATOR | Contract Administrator Service code 13 | — | $14K |
| CIGNA FMLA, STD ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 20643 LEHIGH VALLEY, PA 18002 | $11K |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ADVANTICA INSURANCE COMPANY | 693 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 426 | $120K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 294 | $113K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 261 | $704K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 294 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 693 | — |
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.