| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORPORATION OF AMERICA3 | 16011 COLLEGE BOULEVARD, SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $171K | $41K | $212K | 5.45% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 250 OVERLAND, KS 66211 | HARTFORD LIFE AND ACCIDENT | $169K | $34K | $203K | 5.24% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $169K | $0 | $169K | 4.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $84K | $84K | 2.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | $2K | $28K | 5.72% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 250 OVERLAND, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | $2K | $28K | 5.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 1901 ROXBOROUGH ROAD, SUITE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 1.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 0.37% |
| STEPHEN WAYNE WALKER3 | 800 SHADES CREEK PARKWAY, SUITE 460 BIRMINGHAM, AL 35209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.29% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $853 | $0 | $853 | 0.17% |
| FLEXIBLE CORPORATE PLANS INC3 Filed as: FLEXIBLE CORPORATE PLANS, INC. | PO BOX 7631 MADISON, WI 53707 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $734 | $0 | $734 | 0.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE, INC. | 2101 6TH AVENUE NORTH, SUITE 725 BIRMINGHAM, AL 35203 | AMERITAS LIFE INSURANCE CORPORATION | $36K | $0 | $36K | 7.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 NORTH TRYON STREET, SUITE 2500 CHARLOTTE, NC 28202 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $23K | $23K | 5.19% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | AMERITAS LIFE INSURANCE CORPORATION | $9K | $0 | $9K | 2.11% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27 | $0 | $27 | 2.54% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 250 OVERLAND, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27 | $0 | $27 | 2.54% |
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 | 4,560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 6,652 | $450K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,060 | $4.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 5,060 | $3.9M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,060 | $4.4M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 5,250 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,652 | — |
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.