| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 3.46% |
| KEVIN J DICKHERBER3 Filed as: KEVIN DICKHERBER | 7571 NORTH FALL CREEK DRIVE COLUMBIA, MO 65202 | AFLAC | $4K | $66 | $4K | 9.39% |
| CHRISTOPHER M ASHTON3 Filed as: CHRISTOPHER ASHTON | 5962 SCREAMING EAGLE LANE COLUMBIA, MO 65201 | AFLAC | $499 | — | $499 | 1.19% |
| CHAD M POSTON3 Filed as: CHAD POSTON | 2409 WEST ASH STREET COLUMBIA, MO 65203 | AFLAC | $113 | $15 | $128 | 0.31% |
| MARGARET MYERS3 | 202 GALVESTON CROSSING, APARTMENT 118 HOUSTON, TX 77077 | AFLAC | $108 | — | $108 | 0.26% |
| AARON C EVERLY3 Filed as: AARON EVERLY | 1123 WILKES BOULEVARD, SUITE 330 COLUMBIA, MO 65201 | AFLAC | $78 | — | $78 | 0.19% |
| JENNIFER LOWE3 | 502 MOONLIGHT CIRCLE NEW BRAUNFELS, TX 78132 | AFLAC | $28 | — | $28 | 0.07% |
| GARY WILLIAM FITCH3 Filed as: GARY FITCH | 12050 WEST ROCHEPORT GRAVEL ROAD ROCHEPORT, MO 65279 | AFLAC | $27 | — | $27 | 0.06% |
| JANEANE E BROCKMAN3 Filed as: JANEANE BROCKMAN | 5804 LEATHERBROOK DRIVE COLUMBIA, MO 65203 | AFLAC | $19 | — | $19 | 0.05% |
| JOHN SCHAEFFERKOETTER3 | PO BOX 69 OWENSVILLE, MO 65066 | AFLAC | $13 | — | $13 | 0.03% |
| CLARENCE E (GENE) DANNELLY3 Filed as: CLARENCE (GENE) DANNELLY | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $11 | — | $11 | 0.03% |
| JUDY GRIMES3 | 2401 KARNACK HIGHWAY MARSHALL, TX 75672 | AFLAC | $11 | — | $11 | 0.03% |
| KATIE JO WHITLEY3 | 518 ONE CENTER BOULEVARD, APARTMENT 211 ALTAMONTE SPRINGS, FL 32701 | AFLAC | $10 | — | $10 | 0.02% |
| BRADLEY K HARRISON3 Filed as: BRADLEY HARRISON | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $4 | — | $4 | 0.01% |
| TYSON C FUNK3 Filed as: TYSON FUNK | 917 CROWN POINT TERRACE COURT WILDWOOD, MO 63201 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN SCHAEFFERKOETTER3 | 6002 STERLING RIDGE ROAD JEFFERSON CITY, MO 65101 | AFLAC | $1 | — | $1 | 0.00% |
| AUSTIN J PETERSON3 Filed as: AUSTIN PETERSON | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.23% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $438 | $438 | 3.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $146K |
| TRIA HEALTH, LLC EIN 27-1515235 CLAIMS PROCESSING | Claims processing Service code 12 | — | $25K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 DENTAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $21K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 EAP ADMINISTRATOR | Contract Administrator Service code 13 | — | $13K |
| LIFE INSURANCE CO. OF NORTH AMERICA EIN 23-1503749 STD / FML ADMINISTRATOR | Contract Administrator Service code 13 | — | $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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 923 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 426 | $184K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 274 | $67K |
| Other(2 contracts, 2 carriers) | AFLAC | 274 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 923 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.