| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $20K | $3K | $23K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $6K | $2K | $7K | 6.54% |
| GARY W FITCH3 Filed as: GARY W. FITCH | 2101 CORONA ROAD, SUITE 201 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 2.92% |
| JON HARTMAN3 Filed as: JON HARTMAN AGENCY, INC. | 1400 FORUM BOULEVARD, SUITE 9 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 1.79% |
| JERRY L BROCKMAN3 Filed as: JERRY L. BROCKMAN | 5804 LEATHERBROOK DRIVE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 1.79% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING, INC. | 3606 RIDGEVIEW DRIVE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 1.30% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 178 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 199 | $113K |
| Vision | STANDARD INSURANCE COMPANY | 199 | $113K |
| Life insurance | STANDARD INSURANCE COMPANY | 199 | $113K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 2 | $616 |
| Long-term disability | STANDARD INSURANCE COMPANY | 199 | $113K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 178 | $1.2M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 199 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.