| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HEALTH ALLIANCE LIFE INSURANCE COMPANY | $186K | — | $186K | 3.71% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | $140K | — | $140K | 4.57% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 5.80% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $7K | 7.64% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $774 | $10K | 16.14% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $755 | $6K | 12.03% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $107 | $1K | 16.18% |
| MODERN BENEFITS INC3 | 22748 MIDLAND DRIVE SHAWNEE, KS 66226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $517 | — | $517 | 11.07% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113 | — | $113 | 2.42% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 1.22% |
| DIANA S CHADWICK3 | 1404 8TH STREET WEST PLAINS, MO 65775 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.15% |
| MODERN BENEFITS INC3 | 22748 MIDLAND DRIVE SHAWNEE, KS 66226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $463 | — | $463 | 10.40% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | — | $136 | 3.05% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 2.00% |
| DIANA S CHADWICK3 | 1404 8TH STREET WEST PLAINS, MO 65775 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| BRETT HUECHTEMAN3 | 4720 SOUTH NATIONAL AVENUE SUITE B7 SPRINGFIELD, MO 65810 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.11% |
| MODERN BENEFITS INC3 | 22748 MIDLAND DRIVE SHAWNEE, KS 66226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $500 | — | $500 | 14.68% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 2.67% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 1.70% |
| JASEN BOICE3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.62% |
| BRETT HUECHTEMAN3 | 4730 SOUTH NATIONAL AVENUE SUITE B7 SPRINGFIELD, MO 65810 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.09% |
| DIANA S CHADWICK3 Filed as: DIANA A CHADWICK | 1404 8TH STREET WEST PLAINS, MO 65775 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| MODERN BENEFITS INC3 | 22748 MIDLAND DRIVE SHAWNEE, KS 66226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $399 | — | $399 | 12.58% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | — | $143 | 4.51% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | — | $131 | 4.13% |
| JASEN BOICE3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.38% |
| BRETT HUECHTEMAN3 | 4730 SOUTH NATIONAL AVENUE SUITE B7 SPRINGFIELD, MO 65810 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.16% |
| DIANA S CHADWICK3 | 1404 8TH STREET WEST PLAINS, MO 65775 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $921 | — | $921 | 35.14% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $214 | — | $214 | 8.16% |
| JASEN BOICE3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.34% |
| BRETT HUECHTEMAN3 | 4730 SOUTH NATIONAL AVENUE SUITE B7 SPRINGFIELD, MO 65810 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| MODERN BENEFITS INC3 | 22748 MIDLAND DRIVE SHAWNEE, KS 66226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $353 | — | $353 | 18.29% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $139 | — | $139 | 7.20% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 3.37% |
| BRETT HUECHTEMAN3 | 4730 SOUTH NATIONAL AVENUE SUITE B7 SPRINGFIELD, MO 65810 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.10% |
| MODERN BENEFITS INC3 | 22748 MIDLAND DRIVE SHAWNEE, KS 66226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $256 | — | $256 | 18.51% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 4.19% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.80% |
| BRETT HUECHTEMAN3 | 4730 SOUTH NATIONAL AVENUE SUITE B7 SPRINGFIELD, MO 65810 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.22% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 24.93% |
| JASEN BOICE3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 9.28% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 6.67% |
| BRETT HUECHTEMAN3 | 4730 SOUTH NATIONAL AVENUE SUITE B7 SPRINGFIELD, MO 65810 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 1.45% |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 665 | $3.1M |
| Dental | HEALTH ALLIANCE LIFE INSURANCE COMPANY | 1,013 | $5.0M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 994 | $36K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 442 | $115K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 347 | $96K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 447 | $98K |
| Other(11 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 833 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,013 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.