| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 8.91% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.94% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 20.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4500 TOWN CENTER DRIVE SUITE 200 JEFFERSONVILLE, IN 47130 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 6.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 4435 MAIN STREET FLOOR 4 KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $36 | $4K | 9.24% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BOULEVARD SUITE 300 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | — | $370 | $370 | 0.91% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.51% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $873 | — | $873 | 10.00% |
| CATHY LUCAS3 | 19955 RIGGS ROAD STILWELL, KS 66085 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $822 | — | $822 | 14.63% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HARVARD RISK MANAGEMENT LLC | 201 NORTH FULLER STREET GALLATIN, MO 64640 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | — | $21 | 0.37% |
| CATHY LUCAS3 | 19955 RIGGS ROAD STILWELL, KS 66085 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $342 | — | $342 | 17.87% |
| CATHY LUCAS4 | 19955 RIGGS ROAD STILWELL, KS 66085 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $74 | — | $74 | 10.83% |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 551 | $40K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 411 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 411 | $58K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 247 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.