| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INS. SERVICES, LLC | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 6.06% |
| VIZIENT INSURANCE SERVICES LLC3 Filed as: VIZIENT INSURANCE SERVICES, LLC | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 3.76% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 3.57% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 7.45% |
| ANTHONY ELDEE CONNER3 Filed as: ANTHONY E. CONNER | 1001 1/2 STATE STREET PHILLIPSBURG, KS 67661 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 4.92% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.08% |
| JORDAN J SHARP3 Filed as: JORDAN J. SHARP | 125 WEST 6TH STREET COLBY, KS 67701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.60% |
| RUST J. HELIN3 | 125 WEST 6TH STREET COLBY, KS 97701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.25% |
| TRENT R. SCHNEIDER3 | PO BOX 305 WAKEENEY, KS 67672 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.02% |
| KENNETH D MORRIS JR3 Filed as: KENNETH D. MORRIS AND OTHER AGENTS | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| VIZIENT INSURANCE SERVICES LLC3 Filed as: VIZIENT, INC. | PO BOX 842167 DALLAS, TX 75284 | VCD SERVICES, INC. | $4K | $0 | $4K | 6.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MISSOURI, INC. | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | VCD SERVICES, INC. | $2K | $0 | $2K | 3.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS & BLUESHIELD OF SC EIN 57-0287419 ADMIN FEES | Contract Administrator Service code 13 | — | $133K |
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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VCD SERVICES, INC. | 666 | $65K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 361 | $169K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 13 | $123K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 361 | $169K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 235 | $483K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 361 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.