| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY G DRUMMOND CLU INS BROKER3 | 400 JULES ST. STE. 310 ST. JOSEPH, MO 64501 | BLUECROSS BLUESHIELD OF KANSAS CITY | $17K | $3K | $20K | 3.46% |
| ANTHONY G DRUMMOND CLU INS BROKER3 Filed as: ANTHONY G. DRUMMOND CLU INC | 400 JULES ST. STE 310 ST. JOSEPH, MO 64501 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $19 | $6K | 6.52% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.08% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $761 | $4K | 18.19% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES | 218 SOUTH 7TH STREET ST. JOSEPH, MO 64502 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $236 | — | $236 | 15.02% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 106 | $590K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 287 | $93K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 287 | $93K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 287 | $117K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 287 | $131K |
| Prescription drug(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 24 | $67K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
No prospect flags tripped on this filing.