| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRETT INSURANCE SERVICES LLC3 | 8945 W RUSSELL ROAD STE 180 LAS VEGAS, NV 89148 | AETNA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 7.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 DALLAS, TX 75312 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.68% |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES INC. | 300 E 2ND STREET RENO, NV 89501 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.57% |
| BARRETT INSURANCE SERVICES LLC3 Filed as: BARRETT VINCENT P | STE 180 8945 W RUSSELL ROAD LAS VEGAS, NV 89148 | KANSAS CITY LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.81% |
| SHAFFER HOWARD3 | 3601 SW 160TH AVE SUITE 200 MIRAMAR, FL 33027 | KANSAS CITY LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $497 | $0 | $497 | 1.96% |
| SHAFFER HOWARD3 | 3601 SW 160TH AVE SUITE 200 MIRAMAR, FL 33027 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.07% |
| BARRETT INSURANCE SERVICES LLC3 Filed as: BARRETT VINCENT P | STE 180 8945 W RUSSELL ROAD LAS VEGAS, NV 89148 | KANSAS CITY LIFE INSURANCE COMPANY | $881 | $0 | $881 | 4.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES LLC EIN 81-0391256 TPA | Other fees; Contract Administrator Service code 13 | — | $53K |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 RX ADMIN | Claims processing Service code 12 | — | $25K |
| AETNA SIGNATURE ADMINISTRATORS EIN 06-6033492 PPO | Other services Service code 49 | — | $17K |
| LOCKTON COMPANIES LLC EIN 20-3354970 BROKER | Insurance agents and brokers Service code 22 | — | $12K |
| LP INSURANCE SERVICES LLC EIN 27-3054238 BROKER | Insurance agents and brokers Service code 22 | — | $12K |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 145 | $311K |
| Vision | VISION SERVICE PLAN | 134 | $25K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 145 | $311K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 145 | $311K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 145 | $311K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 128 | $354K |
| Other(3 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 145 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.