| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $38K | $0 | $38K | 1.39% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850, DEPT 999228 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $0 | $11K | $11K | 0.40% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042, DEPT 3042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.06% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $245K | $0 | $245K | 14.87% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60K | $0 | $60K | 3.67% |
| BC INSOURCING LLC3 Filed as: BC INSOURCING, LLC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60K | $0 | $60K | 3.67% |
| LOCKTON COMPANIES, LLC4 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | $0 | $3K | 4.03% |
| HEALTH AND BENEFIT SYSTEMS, INC.4 Filed as: HEALTH AND BENEFIT SYSTEMS, INC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | $0 | $3K | 3.96% |
| THOMAS E. ADAMS4 | 1617 SUTTERS MILL DRIVE CARROLTON, TX 75007 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 1.81% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 1.50% |
| HOLMES MURPHY & ASSOCIATES4 | 1828 WALNUT STREET SUITE 701 KANSAS CITY, MO 64108 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $169 | $0 | $169 | 0.24% |
| MARIE E. FRATONI4 | 5731 WESTERN HILLS DRIVE NORCROSS, GA 30071 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $71 | $0 | $71 | 0.10% |
| MJ INSURANCE4 Filed as: VERNA HEATH AND VARIOUS AGENTS | 1355 WROTHAM LANE CHANNELVIEW, TX 77530 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $57 | $0 | $57 | 0.08% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPARTMENT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $116 | $116 | 1.13% |
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 | 3,824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 55 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,546 | $705K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,814 | $4.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,814 | $2.7M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 3,824 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,824 | — |
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.