| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT, INC | P.O. BOX 3001 JOPLIN, MO 64803 | GREAT MIDWEST INSURANCE CO | $18K | $39K | $58K | 17.38% |
| BEIMDIEK INSURANCE AGENCY, INC.3 Filed as: BEIMDIEK INS AGENCY | PO BOX 612 CARTHAGE, MO 64836 | DELTA DENTAL OF MISSOURI | $12K | — | $12K | 9.58% |
| BEIMDIEK INSURANCE AGENCY, INC.3 Filed as: BEIMDIEK INS AGENCY INC | PO BOX 612 CARTHGAE, MO 648360612 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.57% |
| BEIMDIEK INSURANCE AGENCY, INC.3 Filed as: BEIMDIEK INS AGENCY INC | PO BOX 612 CARTHAGE, MO 648360612 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.65% |
| BEIMDIEK INSURANCE AGENCY, INC.3 Filed as: BEIMDIEK INSURANCE AGENCY | P.O. BOX 612 CARTHAGE, MO 64836 | ZURICH AMERICAN INSURANCE COMPANY | $499 | — | $499 | 15.00% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GREAT MIDWEST INSURANCE CO | 247 | $331K |
| Dental | DELTA DENTAL OF MISSOURI | 360 | $126K |
| Life insurance | STANDARD INSURANCE COMPANY | 267 | $42K |
| Long-term disability | STANDARD INSURANCE COMPANY | 97 | $35K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE CO | 247 | $331K |
| Other | ZURICH AMERICAN INSURANCE COMPANY | 355 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.