| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 1.02% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 0.99% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 4.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 3.76% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 3875 HOPYARD RD PLEASANTON, CA 94588 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $11K | $11K | 2.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 5.08% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 4.93% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 9.75% |
| CHRISTOPHER M ASHTON3 | 3606 RIDGEVIEW DRIVE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.30% |
| AARON C EVERLY3 | 1123 WILKES BLVD, STE 330 COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.14% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $966 | — | $966 | 2.06% |
| FRANK HIGGINS3 Filed as: FRANK L HIGGINS | 3509 GETTYSBURG PLACE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $650 | — | $650 | 1.38% |
| ALEXANDER I MIRO3 | 3406 KEENES EDGE COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $505 | — | $505 | 1.08% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE, #1200 DALLAS, TX 75201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $489 | — | $489 | 1.04% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 E SOUTHAMPTON DR COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | — | $278 | 0.59% |
| JAMI GONZALEZ3 Filed as: JAMI T GONZALEZ | 1207 E EL CAMINO DR PHOENIX, AZ 85020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | — | $165 | 0.35% |
| DUSTIN T HARRIS3 | 1123 WILKES BLVD, STE 300 COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $144 | — | $144 | 0.31% |
| JEFFREY M SATTERLEE3 | 6565 AMERICA'S PKWAY NE STE 115 ALBUQUERQUE, NM 87110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $141 | — | $141 | 0.30% |
| BRADLEY K HARRISON3 | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.13% |
| BAYLEY STULTS3 | 2101 CORONA RD STE 201 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.12% |
| BRADLEY K HARRISON3 | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.10% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| TYSON C FUNK3 | 917 CROWN POINT TERRACE CT WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| CHRISTIE S LANDWEHR3 | 210 PRODO DR JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 NONE | Other commissions; Claims processing Service code 12 | — | $386K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 NONE | Other fees; Claims processing Service code 12 | — | $29K |
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 | 927 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 14 | $83K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 14 | $83K |
| Vision | UNION SECURITY INSURANCE COMPANY | 666 | $113K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,172 | $468K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,172 | $468K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,172 | $468K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 14 | $83K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 930 | $1.7M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,172 | $535K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,172 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.