| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 EAST 32ND STREET NORTH SUITE 100 WICHITA, KS 67226 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $77K | $0 | $77K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 2.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLAND DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 1.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | AMERITAS LIFE INSURANCE CORPORATION | $48K | $0 | $48K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 21ST FLOOR ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $4K | $4K | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50K | $0 | $50K | 11.83% |
| MARK E. CAMPBELL3 Filed as: MARK E. CAMPBELL AND OTHER AGENTS | 39 TEA CUP LANE LONG LANE, MO 65590 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 5.06% |
| AARON C EVERLY3 Filed as: AARON C. EVERLY | 1123 WILKES BOULEVARD, SUITE 330 COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 2.18% |
| TRAVIS M. ZSCHECK3 | 14901 QUORUM DRIVE, SUITE 850 DALLAS, TX 75254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 1.67% |
| KEVIN J DICKHERBER3 Filed as: KEVIN J. DICKHERBER | 3500 SOUTH SCOTT BOULEVARD SUITE 2B COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 1.53% |
| KATIE J WHITLEY3 Filed as: KATIE J. WHITLEY | 1508 BODIE DRIVE COLUMBIA, MO 65202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.25% |
| DUSTIN T HARRIS3 Filed as: DUSTIN T. HARRIS | 915 COLORADO AVENUE GLENWOOD SPRINGS, CO 81601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 1.50% |
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 | 1,424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 2,591 | $481K |
| Vision | VISION BENEFITS OF AMERICA | 970 | $67K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,364 | $765K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,364 | $765K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,364 | $765K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,463 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,591 | — |
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.