| 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 | 3.38% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 3.44% |
| KEVIN J DICKHERBER3 Filed as: KEVIN DICKHERBER | 7571 NORTH FALL CREEK DRIVE COLUMBIA, MO 65202 | AFLAC | $3K | $9 | $3K | 8.15% |
| CHRISTOPHER M ASHTON3 Filed as: CHRISTOPHER ASHTON | 5962 SCREAMING EAGLE LANE COLUMBIA, MO 65201 | AFLAC | $406 | — | $406 | 1.17% |
| MARK C LAMAR3 | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | AFLAC | $130 | — | $130 | 0.37% |
| MARGARET MYERS3 | 202 GALVESTON CROSSING, APARTMENT 118 HOUSTON, TX 77077 | AFLAC | $99 | — | $99 | 0.28% |
| AARON C EVERLY3 Filed as: AARON EVERLY | 1123 WILKES BOULEVARD, SUITE 330 COLUMBIA, MO 65201 | AFLAC | $71 | — | $71 | 0.20% |
| CHAD M POSTON3 Filed as: CHAD POSTON | 2409 WEST ASH STREET COLUMBIA, MO 65203 | AFLAC | $45 | $2 | $47 | 0.14% |
| JENNIFER LOWE3 | 502 MOONLIGHT CIRCLE NEW BRAUNFELS, TX 78132 | AFLAC | $26 | — | $26 | 0.07% |
| LAURA BETH KELLER3 | 445 MADISON POINT DRIVE LEXINGTON, KY 40515 | AFLAC | $23 | — | $23 | 0.07% |
| JANEANE E BROCKMAN3 Filed as: JANEANE BROCKMAN | 5804 LEATHERBROOK DRIVE COLUMBIA, MO 65203 | AFLAC | $17 | — | $17 | 0.05% |
| CLARENCE E (GENE) DANNELLY3 Filed as: CLARENCE (GENE) DANNELLY | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $10 | — | $10 | 0.03% |
| JUDY GRIMES3 | 2401 KARNACK HIGHWAY MARSHALL, TX 75672 | AFLAC | $10 | — | $10 | 0.03% |
| KATIE JO WHITLEY3 | 512 FOLSOM LANE MORRISVILLE, NC 27560 | AFLAC | $10 | — | $10 | 0.03% |
| JOHN SCHAEFFERKOETTER3 | PO BOX 253 WESTPHALIA, MO 65085 | AFLAC | $9 | — | $9 | 0.03% |
| GARY WILLIAM FITCH3 Filed as: GARY FITCH | 12050 WEST ROCHEPORT GRAVEL ROAD ROCHEPORT, MO 65279 | AFLAC | $7 | — | $7 | 0.02% |
| BRADLEY K HARRISON3 | 3824 BENNINGTON LANE 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% |
| AUSTIN J PETERSON3 Filed as: AUSTIN PETERSON | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $129 | $129 | 0.41% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $110 | $110 | 0.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $134K |
| TRIA HEALTH, LLC EIN 27-1515235 CLAIMS PROCESSING | Claims processing Service code 12 | — | $24K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 DENTAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $22K |
| 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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 909 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 438 | $165K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $69K |
| Other(2 contracts, 2 carriers) | AFLAC | 293 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 909 | — |
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."
No prospect flags tripped on this filing.