| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY DBA PHILLIPS | 252 NW EXECUTIVE WAY LEES SUMMIT, MO 64063 | HUMANA INSURANCE COMPANY | $19K | $7K | $26K | 4.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY STE 500 KANSAS CITY, MO 64114 | HUMANA INSURANCE COMPANY | -$304 | — | -$304 | -0.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI | 404 W BROADWAY BLVD SEDALIA, MO 65301 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.59% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $66 | $66 | 0.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $29 | $29 | 0.21% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | PRINCIPAL LIFE INSURANCE COMPANY | -$1K | $150 | -$1K | -8.54% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 86 | $523K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 132 | $537K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 132 | $537K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 132 | $14K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 132 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.