| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | — | $24K | $24K | 4.60% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | HARTFORD LIFE AND ACCIDENT | $31K | — | $31K | 18.16% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 3.65% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EYEMED VISION CARE | $3K | — | $3K | 10.00% |
| PATRICIA G ZOELLER3 | 1825 N COUNTRY CLUB LANE KINGMAN, KS 67068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 4.30% |
| TERESA BURNETT3 Filed as: TERESA L BURNETT | 1112 JAMES STREET DERBY, KS 67037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 1.49% |
| RUSTY J HELIN3 Filed as: RUSTY JAMES HELIN | 2012 SE 9TH STREET MOORE, OK 73160 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 1.08% |
| BRAD J SCHUMACHER3 | 2804 COUNTRY LANE HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.73% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 220 SWEETGUM COURT ANDOVER, KS 67002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.52% |
| NATHAN L HARRISON3 Filed as: NATHAN LANCE HARRISON | 2 CITYPLACE DRIVE, SUITE 30 CREVE COEUR, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.35% |
| JOHN A BACON3 Filed as: JOHN AVERY BACON | 30837 SPRING VALLEY ROAD PAOLA, KS 66071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.07% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.07% |
| JUSTIN C CARSON3 Filed as: JUSTIN CAIN CARSON | 13614 E MOUNT VERNON ROAD WICHITA, KS 67230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $70K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | — | $31K |
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 ADMINISTRATOR | Contract Administrator Service code 13 | — | $13K |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 396 | $25K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 395 | $173K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 395 | $173K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 182 | $529K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 395 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.