| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $49K | — | $49K | 15.00% |
| OWENMYRTLE INC3 Filed as: OWENMYRTLE, INC. | 1611 ST. ANDREWS DRIVE, SUITE 22 LAWRENCE, KS 66047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 5.49% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY L GRAMLICH | 9131 N. BOOTH COURT KANSAS CITY, MO 64157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 1.34% |
| ERIC SHATZ3 Filed as: ERIC M SHATZ | 10004 HARDY DRIVE OVERLAND PARK, KS 66212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.74% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N. CHURCH ROAD, SUITE B LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.60% |
| KELLY A GRAMLICH3 | 6700 ANTIOCH, SUITE 100 MERRIAM, KS 66204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 ADMINISTRATOR | Claims processing; Plan Administrator; Other services Service code 12 | — | $235K |
| AETNA EIN 06-6033492 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $222K |
| TRIA HEALTH, LLC EIN 27-1515235 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $79K |
| DELTA DENTAL OF KANSAS EIN 48-0793267 ADMINISTRATOR | Contract Administrator Service code 13 | — | $40K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 ADMINISTRATOR | Contract Administrator Service code 13 | — | $18K |
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 | 1,033 | 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) | 1,033 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 15 | $1K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,166 | $329K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,166 | $329K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,166 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,166 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.