| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COX HEALTH SYSTEMS INSURANCE CO3 Filed as: COX HEALTH SYSTEMS INSURANCE COMPAN | PO BOX 5750 SPRINGFIELD, MO 65801 | COX HEALTH SYSTEMS INSURANCE COMPANY | — | $129K | $129K | 7.50% |
| CONNELL INSURANCE INC3 Filed as: CONNELL INSURANCE, INC | PO BOX 1840 BRANSON, MO 65615 | COX HEALTH SYSTEMS INSURANCE COMPANY | $55K | — | $55K | 3.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | THREE CITYPLACE DRIVE SUITE 900 ST LOUIS, MO 63141 | COX HEALTH SYSTEMS INSURANCE COMPANY | $5K | — | $5K | 0.28% |
| CONNELL INSURANCE INC3 | 511 BEE CREEK ROAD BRANSON, MO 65616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 9.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO, LLC | 3 CITYPLACE DRIVE SUITE 900 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.09% |
| CONNELL INSURANCE INC3 | 511 BEE CREEK ROAD BRANSON, MO 65616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 12.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO, LLC | 3 CITYPLACE DRIVE SUITE 900 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.57% |
| CONNELL INSURANCE INC3 | 511 BEE CREEK ROAD BRANSON, MO 65616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO, LLC | 3 CITYPLACE DRIVE SUITE 900 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $666 | — | $666 | 2.84% |
| CONNELL INSURANCE INC3 | 511 BEE CREEK ROAD BRANSON, MO 65616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO, LLC | 3 CITYPLACE DRIVE SUITE 900 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $454 | — | $454 | 2.09% |
| CONNELL INSURANCE INC3 | 511 BEE CREEK ROAD BRANSON, MO 65616 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 12.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO, LLC | 3 CITYPLACE DRIVE SUITE 900 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $439 | — | $439 | 2.65% |
No Schedule C service providers reported on this filing.
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 73 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 317 | $1.7M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 246 | $116K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $23K |
| Other(3 contracts, 2 carriers) | COX HEALTH SYSTEMS INSURANCE COMPANY | 317 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.