| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $0 | $33K | 4.75% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 97202 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $23K | $0 | $23K | 3.48% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $12K | $3K | $15K | 2.25% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 97202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.01% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.63% |
| DANE PAPE3 | 115 EAST PLATT STREET MAQUIKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.05% |
| COLE PAPE3 Filed as: COLE M. PAPE | 115 EAT PLATT STREET MAQUIKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.76% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $460 | $0 | $460 | 0.67% |
| COLE PAPE3 | 115 EAT PLATT STREET MAQUIKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $275 | $0 | $275 | 0.40% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUIKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | $0 | $138 | 0.20% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 97202 | DELTA DENTAL OF ILLINOIS | $10K | $0 | $10K | 20.98% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP, LLC | 2901 ARIZONA AVENUE JOPLIN, MO 64804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.49% |
| USI INSURANCE SERVICES LLC3 | 9700 ORMSBY STATION ROAD, SUITE 200 LOUISVILLE, KY 40242 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 23.26% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 23.05% |
| DANE PAPE3 | 115 EAST PLATT STREET MAQUIKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.82% |
| COLE PAPE3 Filed as: COLE M. PAPE | 115 EAT PLATT STREET MAQUIKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.41% |
| AARON M. WELLS3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | KANSAS CITY LIFE | $1K | $0 | $1K | 6.97% |
| KEVIN L SCHAFFER3 Filed as: KEVIN L. SCHAFFER | 920 MAIN STREET, SUITE 2100 KANSAS CITY, MO 64138 | KANSAS CITY LIFE | $493 | $0 | $493 | 3.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 16219 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | PRINCIPAL LIFE INSURANCE COMPANY | $846 | $0 | $846 | 9.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LTD | 300 NORTH LA SALLE DRIVE, 17TH FLOO CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $258 | $258 | 3.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $152 | $0 | $152 | 1.79% |
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 | 543 | 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) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 264 | $662K |
| Dental(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 771 | $716K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 650 | $86K |
| Life insurance(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 780 | $764K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 780 | $724K |
| Long-term disability(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 780 | $747K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 264 | $662K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 780 | $786K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.