| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COX HEALTH SYSTEMS INSURANCE CO3 Filed as: COX HEALTH SYSTEMS INSURANCE CO. | PO BOX 5750 SPRINGFIELD, MO 65801 | COX HEALTH SYSTEMS INSURANCE COMPANY | — | $911K | $911K | 7.00% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | COX HEALTH SYSTEMS INSURANCE COMPANY | $220K | — | $220K | 1.69% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 303 WEST THIRD STREET PO BOX 612 CARTHAGE, MO 64836 | COX HEALTH SYSTEMS INSURANCE COMPANY | $21K | — | $21K | 0.16% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $52K | — | $52K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 1.67% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MISSOURI | $18K | — | $18K | 4.24% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 4435 MAIN STREET, 4TH FLOOR KANSAS CITY, MO 64111 | DELTA DENTAL OF MISSOURI | — | $3K | $3K | 0.72% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | — | $33K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 2.68% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | — | $29K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 2.97% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 4.72% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 303 WEST THIRD STREET CARTHAGE, MO 64836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $371 | $4K | 2.96% |
| CONSTANCE NICOLE SCHMIDT3 | 4709 NE 104TH STREET KANSAS CITY, MO 64156 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $806 | $3K | 2.52% |
| KANSAS BENEFIT COUNSELORS LLC3 | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.42% |
| LANA L WILHITE LLC3 Filed as: LANA L WHITE LLC | 3046 S DELAWARE AVENUE, SUITE A SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.23% |
| TGI ASSOCIATES LLC3 | 3046 SOUTH DELAWARE AVENUE, SUITE A SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $43 | $3K | 2.01% |
| GAYE ANN HOLLOMAN3 | 3938 SOUTH LONE PINE AVENUE, APT B210 SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $180 | $2K | 1.51% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE ROAD WENTZILLE, MO 63385 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $888 | $476 | $1K | 0.99% |
| ANN MARIE THOMAS LLC3 Filed as: ANN MARIE THOMAS | 417 SOUTH MCGREGOR STREET CARTHAGE, MO 64836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $713 | — | $713 | 0.52% |
| DANIEL RINEBERG3 | 5112 SW 32ND TERRACE TOPEKA, KS 66614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $433 | $170 | $603 | 0.44% |
| CONNIE J ZIMMERMAN3 | 2155 SOUTH WESTERN AVENUE SPRINGFIELD, MO 65807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $467 | — | $467 | 0.34% |
| MELISSA K PERCELL3 | 731 PLEASANT STREET DENVER, MO 64441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $360 | $52 | $412 | 0.30% |
| WILLIAM NEAL SCHUMAKER3 | PO BOX 989 NIXA, MO 65714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| STEPHEN M HENSS LLC3 | 6 CHISEL CREEK DRIVE LANDENBERG, PA 19350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DAVID FELIX HARRIS3 | 701 WHITPAIN HILLS BLUE BELL, PA 19422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.26% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $2K | — | $2K | 2.59% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 303 WEST 3RD STREET CARTHAGE, MO 64836 | VISION SERVICE PLAN | $599 | — | $599 | 0.66% |
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 | 1,025 | 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) | 1,025 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 1,953 | $13.0M |
| Dental | DELTA DENTAL OF MISSOURI | 1,691 | $424K |
| Vision | VISION SERVICE PLAN | 633 | $91K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,025 | $530K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 838 | $523K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 992 | $326K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,025 | $530K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,953 | — |
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.