| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $102 | $102 | 0.33% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON BENEFIT COMPANY | 44 W 47TH STREET STE 600 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OFF KANSAS CITY | $12K | — | $12K | 38.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MICHELLE ROSS EIN 44-6013920 PLAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $88K |
| LOCKTON COMPANIES LLC EIN 48-0763803 CNSULTANT | Other commissions; Direct payment from the plan; Consulting (general) Service code 16 | — | $68K |
| STACIE BAKER EIN 44-6013920 PLAN EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| FINANCIAL COUNSELORS EIN 43-0890172 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $48K |
| MALLORY BURNETTE EIN 44-6013920 PLAN EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $42K |
| ROUSE, FRETS, WHITE, GOSS, GENTILE, EIN 13-1706479 FUND LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $33K |
| HAYNES BENEFITS FUND LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | 2600 GRAND BLVD SUITE 410 KANSAS CITY, MO 64108 | $32K |
| ONSITE LOGIC SOFTWARE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 8700 MONROVIA # 310 LENEXA, KS 66215 | $28K |
| ACCOUNTING SOLUTIONS GROUP LLC EIN 81-2274769 FUND AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| SCS CPA'S PA EIN 48-1215584 FUND AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $23K |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 INSURER | Direct payment from the plan; Insurance services Service code 23 | — | $11K |
| HORIZON ACTUARIAL EIN 26-1370698 PLAN ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $8K |
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 | 487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OFF KANSAS CITY | 1,408 | $31K |
| Vision | VISION SERVICE PLAN | 612 | $0 |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 549 | $31K |
| Prescription drug | ELIXIR CRAFTED RX SOLUTIONS | 555 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OFF KANSAS CITY | 1,408 | $1.9M |
| Other(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 487 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,408 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.