| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | $4K | $55K | 11.52% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $9K | 13.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 14.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 29.90% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $571 | $2K | 14.60% |
| SHARON R GROOM3 | 25275 HARDESTY LANE WESTON, MO 64098 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 17.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 12.97% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY MICHAEL SATTERLEE | 4351 JAGER DRIVE NE, SUITE J RIO RANCHO, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $499 | — | $499 | 4.52% |
| JERIAN CESONIS3 | 28912 E. HWY 2 HARRISONVILLE, MO 64701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $336 | — | $336 | 3.04% |
| CHRISTI LANE FARNAN3 | 11193 CLUB VIEW DRIVE SAINT JOSEPH, MO 64505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $328 | — | $328 | 2.97% |
| MELISSA DOUGAN3 | 9125 NW MOORE ROAD PARKVILLE, MO 64153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 1.05% |
| AMY ZIMMERMAN3 Filed as: AMY LYNN ZIMMERMAN | 200 BROOKWOOD STREET LANSING, KS 66043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.91% |
| MINDY M SKIDMORE3 | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $365 | — | $365 | 3.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 ADMINISTRATOR | Contract Administrator Service code 13 | — | $14K |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $66K |
| Vision | EYEMED VISION CARE | 170 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $31K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $481K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.