| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH ST, SUITE 208 SHAWNEE MISSION, KS 66202 | HARTFORD LIFE AND ACCIDENT | $125K | $37K | $162K | 9.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $56K | $56K | 3.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $66K | $13K | $79K | 15.72% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | HEALTH AND BENEFIT SYSTEMS INC 6363 COLLEGE BLVD, STE 500 LEAWOOD, KS 66211 | HARTFORD LIFE AND ACCIDENT | $66K | — | $66K | 13.18% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS INC | 6363 COLLEGE BLVD STE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49K | $6K | $55K | 11.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KC SERIES | CO COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49K | $4K | $53K | 11.36% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.38% |
| FLEXIBLE CORPORATE PLANS INC3 | PO BOX 7631 MADISON, WI 53707 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.29% |
| SHELBY BENEFIT CONSULTANTS, INC.3 Filed as: SHELBY BENEFIT CONSULTANTS INC | PO BOX 381717 BIRMINGHAM, AL 35238 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $712 | — | $712 | 0.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N #725 BIRMINGHAM, AL 35203 | COMPBENEFITS | $40K | — | $40K | 9.53% |
| SYSTEMS INC, HEALTH & BENEFIT3 | 6363 COLLEGE BOULEVARD SUITE 600 OVERLAND PARK, KS 66211 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $48K | — | $48K | 15.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST STE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $48K | — | $48K | 15.50% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA FINANCIAL SOLUTIONS | 155 N WACKER DRIVE STE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES, LLC - KANSAS CITY | CO COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $4K | $27K | 28.65% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS INC | 6363 COLLEGE BLVD STE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $3K | $27K | 28.23% |
| CHILD HEALTH CORP OF AMERICA3 | 6803 WEST 64TH ST, SUITE 208 SHAWNEE MISSION, KS 66202 | HARTFORD LIFE AND ACCIDENT | $3K | $594 | $4K | 7.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DR SUITE 400 VESTAVIA, AL 35242 | COMPBENEFITS | $867 | — | $867 | 9.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N #725 BIRMINGHAM, AL 35203 | COMPBENEFITS | $356 | — | $356 | 4.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $715 | $41 | $756 | 15.87% |
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 | 4,373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | COMPBENEFITS | 5,710 | $423K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,435 | $1.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,924 | $501K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,435 | $1.7M |
| Other(6 contracts, 6 carriers) | AMERICAN BEHAVIORAL BENEFITS MANAGERS, INC. | 4,373 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,710 | — |
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.