| 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 | — | $936K | $936K | 7.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 675382 DALLAS, TX 75267 | COX HEALTH SYSTEMS INSURANCE COMPANY | $158K | $8K | $166K | 1.24% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $60K | $9K | $68K | 11.46% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MISSOURI | $20K | $4K | $23K | 5.95% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36K | $9K | $45K | 12.40% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $9K | $42K | 12.61% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 7.37% |
| KANSAS BENEFIT COUNSELORS LLC3 | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 5.54% |
| CONSTANCE NICOLE SCHMIDT3 | 4709 NE 104TH STREET KANSAS CITY, MO 64156 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $7K | 4.52% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE ROAD WENTZILLE, MO 63385 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $897 | $3K | 1.61% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 303 WEST THIRD STREET CARTHAGE, MO 64836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $6 | $2K | 1.21% |
| LANA L WILHITE LLC3 Filed as: LANA L WHITE LLC | 3046 S DELAWARE AVENUE, SUITE A SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.11% |
| TGI ASSOCIATES LLC3 | 3046 SOUTH DELAWARE AVENUE, SUITE A SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| DANIEL RINEBERG3 | 5112 SW 32ND TERRACE TOPEKA, KS 66614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $633 | $153 | $786 | 0.49% |
| GAYE ANN HOLLOMAN3 | 3938 SOUTH LONE PINE AVENUE, APT B210 SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $640 | $3 | $643 | 0.40% |
| CONNIE J ZIMMERMAN3 | 2155 SOUTH WESTERN AVENUE SPRINGFIELD, MO 65807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $359 | — | $359 | 0.22% |
| MELISSA K PERCELL3 | 731 PLEASANT STREET DENVER, MO 64441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $11 | $154 | 0.10% |
| ANN MARIE THOMAS LLC3 Filed as: ANN MARIE THOMAS | 417 SOUTH MCGREGOR STREET CARTHAGE, MO 64836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.04% |
| WILLIAM NEAL SCHUMAKER3 | PO BOX 989 NIXA, MO 65714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 13.45% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $3K | — | $3K | 2.58% |
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 | 1,032 | 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) | 1,032 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 2,026 | $13.4M |
| Dental | DELTA DENTAL OF MISSOURI | 1,797 | $395K |
| Vision | VISION SERVICE PLAN | 661 | $101K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,032 | $600K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 854 | $597K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,003 | $364K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,032 | $600K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,026 | — |
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.