| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORESOURCE, INC.5 | 6240 SPRINT PARKWAY, STE 400 OVERLAND PARK, KS 66251 | BERKLEY LIFE AND HEALTH INSURANCE CO. | $0 | $20K | $20K | 2.00% |
| WILLIS TOWERS WATSON US LLC0 Filed as: TOWERS WATSON DE INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| NONE3 | — | MINNESOTA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE3 | — | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE3 | — | MINNESOTA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MBA SURETY AGENCY INC/MBA INSURANCE3 | P.O. BOX 1343 JEFFERSON CITY, MO 65102 | ZURICH AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| MBA SURETY AGENCY INC/MBA INSURANCE3 | P.O. BOX 1343 JEFFERSON CITY, MO 65102 | ZURICH AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BANKERS BENEFIT EIN 43-1383648 PARTY-IN-INTEREST | Contract Administrator Service code 13 | PO BOX 1343 JEFFERSON CITY, MO 65102 | $909K |
| DELTA DENTAL OF MO EIN 43-0908349 NONE | Contract Administrator; Claims processing Service code 12 | 12399 GRAVOIS ROAD ST LOUIS, MO 63127 | $79K |
| LEWIS & ELLIS INC EIN 75-1281520 NONE | Actuarial Service code 11 | 11225 COLLEGE BLVD #320 OVERLAND PARK, KS 66210 | $44K |
| MEDTRAK SERVICES, LLC EIN 36-4221427 NONE | Claims processing Service code 12 | 7101 COLLEGE BLVD, STE 1000 OVERLAND PARK, KS 66210 | $40K |
| CENTRAL BANK EIN 43-0975002 NONE | Custodial (other than securities) Service code 18 | PO BOX 779 JEFFERSON CITY, MO 65102 | $17K |
| WILLIAMS-KEEPERS LLC EIN 43-1126847 NONE | Accounting (including auditing) Service code 10 | 3220 W EDGEWOOD, STE E JEFFERSON CITY, MO 65109 | $14K |
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 | 2,822 | 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) | 2,822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,245 | $100K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,974 | $294K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,918 | $476K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 2,822 | $1.0M |
| Other(2 contracts) | ZURICH AMERICAN INSURANCE COMPANY | 5,185 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,185 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.