| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.10% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS AND BLUE SHIELD OF KC | 2301 MAIN STREET KANSAS CITY, MO 64108 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.79% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA INSURANCE COMPANY | $9K | $3K | $12K | 19.22% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 18.01% |
| SHARON R GROOM3 Filed as: SHARON R. GROOM | 25275 HARDESTY LANE WESTON, MO 64098 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 15.76% |
| JERIAN CESONIS3 | 28912 EAST HIGHWAY 2 HARRISONVILLE, MO 64701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 10.21% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY M. SATTERLEE | 100 SUN AVENUE NE, SUITE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $688 | $0 | $688 | 6.03% |
| CHRISTI L. FARNAN3 | 3109 NW OAKCREST DRIVE KANSAS CITY, MO 64151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $461 | $0 | $461 | 4.04% |
| AMY ZIMMERMAN3 Filed as: AMY L. ZIMMERMAN AND OTHER AGENT | 200 BROOKWOOD STREET LANSING, KS 66043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $349 | $0 | $349 | 3.06% |
| MELISSA DOUGAN3 | 9125 NW MOORE ROAD SMITHVILLE, MO 64089 | CONTINENTAL AMERICAN INSURANCE COMPANY | $340 | $0 | $340 | 2.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 11.54% |
| JUDITH A CAMPBELL4 Filed as: JUDITH A. CAMPBELL | UNKNOWN KANSAS CITY, MO 64145 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $361 | $0 | $361 | 40.43% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $69K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 177 | $11K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $133K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 44 | $11K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $133K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 187 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.