| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 120 WEST 12TH STREET, SUITE 1000 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $3K | $18K | 15.27% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 736061 CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | $0 | $18K | 17.17% |
| ROBERT C JOHNSTON3 Filed as: ROBERT C. JOHNSTON | 826 SOUTH MORGAN DRIVE PECULIAR, MO 64078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 8.81% |
| MJ INSURANCE3 Filed as: DENISE R. MUSTOE & VARIOUS AGENTS | 8942 NORTH LEWIS AVENUE KANSAS CITY, MO 64157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.86% |
| MELISSA JOHNSTON3 | 9300 WEST 110TH STREET, SUITE 520 OVERLAND PARK, KS 66210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.06% |
| HOUSE KOLICH, LLC3 | 8907 WEST 105TH TERRACE OVERLAND PARK, KS 66212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $803 | $0 | $803 | 0.79% |
| SHANNON N SMITH3 Filed as: SHANNON NOELLE SMITH | 1525 SE PICADILLY STREET BLUE SPRINGS, MO 64014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $753 | $0 | $753 | 0.74% |
| ARIANA SARAI JUDD3 | 1801 EAST SADIE LANE JOPLIN, MO 64801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $677 | $0 | $677 | 0.66% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CONTINENTAL AMERICAN INSURANCE COMPANY | 124 | $102K |
| Vision | CONTINENTAL AMERICAN INSURANCE COMPANY | 124 | $102K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $115K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $115K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $115K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.