| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $10K | $35K | 12.89% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3500 CHICAGO, IL 60661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 5.79% |
| OWEN MYRTLE INC3 | 1611 STREET ANDREWS DRIVE, SUITE 22 LAWRENCE, KS 66047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 4.37% |
| ERIC SHATZ3 Filed as: ERIC M SHATZ | 10004 HARDY DRIVE OVERLAND PARK, KS 66212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 1.75% |
| KRISTI L GRAMLICH3 | 9131 N BOOTH COURT KANSAS CITY, MO 64157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 1.05% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE & ASSOCIATES, INC. | 1508 N. CHURCH ROAD LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.57% |
| KELLY A GRAMLICH3 | 6700 ANTIOCH, SUITE 100 MERRIAM, KS 66204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.44% |
| APRIL MARIE HUDGENS3 Filed as: APRIL MARIE HALL | PO BOX 450053 GROVE, OK 74345 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.26% |
| ROGERS BENEFIT GROUP INC3 Filed as: MARSHA ROGERS | 3611 S. 133 E AVENUE TULSA, OK 74134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.26% |
| JOHN ROBERT DE LARIOS3 Filed as: JOHN DELARIOS | 4815 S HARVARD, SUITE 285 TULSA, OK 74135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.13% |
| CONSTANCE I LAGER3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.09% |
| JANET ZENTMIRE RIGSBY3 Filed as: JANET Z LANGE | 801 MELANAE COURT LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| JENNIFER L BOYD (SMITH)3 Filed as: JENNIFER BOYD | 319 N MAIN STREET, SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| LARRY D DENNY3 Filed as: LARRY D. DENNY | 3100 S. BERRY ROAD, SUITE 100 NORMAN, OK 73072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
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 | 932 | 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) | 932 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 15 | $2K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 932 | $274K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 15 | $2K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 932 | $274K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 932 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 932 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.