| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 631417088 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 26.44% |
| GEISLER INCORPORATED3 Filed as: GEISLER INC. | 1795 CLARKSON ROAD, SUITE 301 CHESTERFIELD, MO 641121906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $657 | — | $657 | 1.53% |
| JOHN MYERS3 | 16024 MANCHESTER ROAD ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $164 | — | $164 | 0.38% |
| JOHN A BACON3 Filed as: JOHN A. BACON | 1267 LEIGHTON HOLLOW DRIVE DARDENNE PRAIRIE, MO 63368 | CONTINENTAL AMERICAN INSURANCE COMPANY | $164 | — | $164 | 0.38% |
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 | 685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 618 | $458K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 1,323 | $63K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 685 | $316K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 685 | $316K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 685 | $316K |
| Prescription drug | PREMERA BLUE CROSS | 618 | $458K |
| Stop-loss / reinsurancereinsurance | LIFEWISE ASSURANCE COMPANY | 617 | $764K |
| Other(3 contracts, 3 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 695 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,323 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.