| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE DBA HALLIER BENEFIT | ADVISORS 1229 SWIFT AVE NORTH KANSAS CITY, MO 64116 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $23K | $37K | $59K | 1.41% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $13K | $29K | 11.00% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23K | $23K | 8.48% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD, STE 300 ST. LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 6.77% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 3.09% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | THE LINCOLN NATONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 ST LOUIS, MO 63122 | THE LINCOLN NATONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.83% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.85% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | THE LINCOLN NATONAL LIFE INSURANCE COMPANY | — | $577 | $577 | 0.58% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 ST LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.90% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.88% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $482 | $482 | 0.62% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 ST LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 6.13% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.89% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $494 | $494 | 0.64% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 ST LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.74% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.94% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $356 | $356 | 0.47% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.39% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD, STE 300 ST. LOUIS, MO 63122 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $663 | $2K | 4.39% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $982 | $393 | $1K | 2.60% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 Filed as: SCOTT SCHROEPFER INS AGENCY INC | 1424 5TH ST WASHINGTON, MO 63090 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 34.45% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 ST LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $791 | $791 | 5.44% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $267 | $267 | 1.84% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $84 | $84 | 0.58% |
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 | 464 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 879 | $4.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 385 | $267K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 755 | $53K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATONAL LIFE INSURANCE COMPANY | 464 | $189K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $77K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 465 | $78K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATONAL LIFE INSURANCE COMPANY | 464 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 879 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.