| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, IN 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $163K | $171K | $333K | 8.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $150K | $127K | $277K | 7.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $64K | $142K | $206K | 5.45% |
| LOCKTON COMPANIES, LLC3 | 811 MAIN STREET, 7TH FLOOR KANSAS CITY, MO 64105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $77K | $0 | $77K | 2.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SURENCY LIFE AND HEALTH | $50K | $0 | $50K | 9.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | SURENCY LIFE AND HEALTH | $16K | $0 | $16K | 3.29% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: THE INSURANCE PARTNERS | 11225 COLLEGE BOULEVARD, SUITE 105 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $19K | $735 | $20K | 18.26% |
| GINA M. OCHSNER3 | PO BOX 1676 TOPEKA, KS 66614 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 11.56% |
| EBC, INC.3 Filed as: EBC INC. | PO BOX 55210 INDIANAPOLIS, IN 46220 | TRUSTMARK INSURANCE COMPANY | $968 | — | $968 | 1.87% |
| CENTURY HEALTH SOLUTIONS3 | 1500 SW 10TH AVENUE TOPEKA, KS 66604 | TRUSTMARK INSURANCE COMPANY | $647 | — | $647 | 1.25% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $991 | $0 | $991 | 2.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 19087 | TRANSAMERICA LIFE INSURANCE COMPANY | $534 | $0 | $534 | 1.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | TRANSAMERICA LIFE INSURANCE COMPANY | $62 | $0 | $62 | 0.18% |
| ACSIA PARTNERS LLC3 Filed as: ACSIA LONG TERM CARE, INC. | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $380 | $0 | $380 | 1.13% |
| EBC, INC.3 Filed as: EBC INC. | PO BOX 55210 INDIANAPOLIS, IN 46220 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 7.30% |
| CENTURY HEALTH SOLUTIONS3 | 1500 SW 10TH AVENUE TOPEKA, KS 66604 | TRUSTMARK INSURANCE COMPANY | $862 | $0 | $862 | 4.88% |
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 | 5,725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SURENCY LIFE AND HEALTH | 2,831 | $501K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,990 | $3.8M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,990 | $3.8M |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,990 | $3.9M |
| Other(6 contracts, 6 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,725 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,725 | — |
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.