| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 215 SOUTHWIND PLACE STE 201 MANHATTAN, KS 66503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | — | $32K | 11.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 1.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 1.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 215 SOUTHWIND PLACE STE 201 MANHATTAN, KS 66503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 215 SOUTHWIND PLACE STE 201 MANHATTAN, KS 66503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 9.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANAS CITY, MO 641121906 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 13.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 4622 PENNSYLVANIA AVE KANSAS CITY, MO 641120000 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.82% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC LLC | PO BOX 441 DES MOINES, IA 50302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.95% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $380 | $380 | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 215 SOUTHWIND PL STE 1B MANHATTAN, KS 665033173 | AMERITAS LIFE INSURANCE CORP. | $6K | — | $6K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 3.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 215 SOUTHWIND PLACET STE 201 MANHATTAN, KS 66503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 11.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $421 | $421 | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: AJ GALLAGHER BENEFIT SERVICE | STE 1000 2850 GOLF RD ROLLING MDWS, IL 60008 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | — | $5K | 20.00% |
| THOMAS OWENS4 | P.O. BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | — | $4K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 4622 PENNSYLVANIA AVE SUITE 920 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 37.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF KS EIN 48-0952857 NONE | Participant communication; Direct payment from the plan; Claims processing; Float revenue; Other services Service code 12 | — | $269K |
| LOCKTON COMPANIES NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 444 WEST 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | $63K |
| FORVIS MAZARS, LLP EIN 44-0160260 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $40K |
| HINGE HEALTH NONE | Direct payment from the plan; Contract Administrator Service code 13 | 455 MARKET ST STE 700 SAN FRANCISCO, CA 94105 | $35K |
| DELTA DENTAL OF KANSAS EIN 48-0793267 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $23K |
| PREFERRED RESOURCE NETWORK EIN 43-1613278 NONE | Direct payment from the plan; Contract Administrator Service code 13 | DBA PERSONAL ASSISTANCE SERVICES 9735 LANDMARK PARKWAY DRIVE, STE 17 ST. LOUIS, MO 63127 | $18K |
| SELECT ACCOUNT EIN 81-3861862 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $6K |
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 | 686 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,227 | $61K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,048 | $288K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 645 | $179K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 645 | $186K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 1,118 | $959K |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 814 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,227 | — |
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.