| 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 | $22K | $30K | $52K | 1.32% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 6.14% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 5.00% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | THE LINCOLN NATONAL 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 NATONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| 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 | — | $2K | $2K | 3.00% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 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 | — | $2K | $2K | 3.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $890 | $3K | 7.03% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.96% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.69% |
| ACRISURE LLC3 | 2625 W PETERSON AVE CHICAGO, IL 60659 | PRINCIPAL LIFE INSURANCE COMPANY | — | $617 | $617 | 1.39% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 Filed as: SCOTT SCHROEPFER INS AGENCY INC | 1424 5TH ST WASHINGTON, MO 63090 | RELIASTAR LIFE INSURANCE COMPANY | $13K | — | $13K | 32.31% |
| 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 | — | $357 | $357 | 3.00% |
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 | 556 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 441 | $3.9M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 412 | $210K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 775 | $44K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATONAL LIFE INSURANCE COMPANY | 522 | $90K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $77K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 521 | $65K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATONAL LIFE INSURANCE COMPANY | 522 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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."
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.