| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 61301 | AMERITAS LIFE INSURANCE CORPORATION | $48K | $0 | $48K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $4K | $4K | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 EAST 32ND STREET NORTH WICHITA, KS 67226 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $56K | $0 | $56K | 12.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD SUITE 200 KANSAS CITY, MO 64108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 4.59% |
| DANIEL A ROHRBOUGH3 Filed as: DANIEL ROHRBOUGH AND OTHER AGENTS | 904 SOUTH LOUISVILLE DRIVE SUITE 2B COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.48% |
| KEVIN J DICKHERBER3 Filed as: KEVIN J. DICKHERBER | 12050 ROCHEPORT GRAVEL ROAD ROCHEPORT, MO 65279 | CONTINENTAL AMERICAN INSURANCE COMPANY | $691 | $0 | $691 | 0.73% |
| TRAVIS M. ZSCHECK3 | 14901 QUORUM DRIVE, SUITE 850 DALLAS, TX 75254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $545 | $0 | $545 | 0.58% |
| KATIE J WHITLEY3 Filed as: KATIE J. WHITLEY | 1508 BODIE DRIVE COLUMBIA, MO 65202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $483 | $0 | $483 | 0.51% |
| DUSTIN T HARRIS3 Filed as: DUSTIN T. HARRIS | 915 COLORADO AVENUE GLENWOOD SPRINGS, CO 81601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $272 | $0 | $272 | 0.29% |
| MARK E. CAMPBELL3 | 39 TEA CUP LANE LONG LANE, MO 65590 | CONTINENTAL AMERICAN INSURANCE COMPANY | $214 | $0 | $214 | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 2.89% |
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 | 1,452 | 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) | 1,452 | 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 | 987 | $68K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,452 | $451K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,452 | $451K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,452 | $451K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,463 | $545K |
| 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.