| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $28K | $91K | $119K | 2.49% |
| RONALD N. SELLIN3 | P.O. BOX 2193 PALM SPRINGS, CA 92263 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $19K | — | $19K | 3.06% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $13K | $13K | 1.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 2.49% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL F DEMPSEY | PO BOX 1428 ANN ARBOR, MI 48106 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $18K | — | $18K | 4.57% |
| MEDOVA HEALTHCARE5 | 345 N. RIVERVIEW, SUITE 600 WICHITA, KS 67203 | NATIONAL HEALTH INSURANCE COMPANY | — | $27K | $27K | 28.88% |
| NATIONAL INSURANCE PARTNERS CORP3 Filed as: NATIONAL INSURANCE PARTNERS | 2620 REGATTA DRIVE, 102 LAS VEGAS, NV 89128 | NATIONAL HEALTH INSURANCE COMPANY | $27K | — | $27K | 28.78% |
| 1ST HEALTH NETWORK3 | 23291 NETWORK PLACE CHICAGO, IL 60673 | NATIONAL HEALTH INSURANCE COMPANY | — | $3K | $3K | 3.15% |
| MEDCOM UTILIZATION MANAGEMENT3 | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | NATIONAL HEALTH INSURANCE COMPANY | — | $1K | $1K | 1.15% |
| J DEMPSEY INCORPORATED3 | PO BOX 1428 ANN ARBOR, MI 48106 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.01% |
| BLACK INK SOLUTIONS3 | 480 WEST SUNNYSIDE ROADE, SUITE 4 IDAHO FALLS, ID 83402 | WILLAMETTE DENTAL OF IDAHO, INC. | $863 | $1K | $2K | 21.26% |
| J DEMPSEY INCORPORATED3 Filed as: DEMPSEY INC. | 1304 S. MAIN STREET ANN ARBOR, MI 48104 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $451 | — | $451 | 9.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMINISTRATOR | Contract Administrator Service code 13 | — | $80K |
| DISCOVERY BENEFITS ADMINISTRATOR | Contract Administrator Service code 13 | 4321 20TH AVENUE S. 877-765-8810 FARGO, ND 58103 | $12K |
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 | 637 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 1,177 | $5.8M |
| Dental(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 656 | $560K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 656 | $528K |
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE COMPANY | 52 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,177 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.