| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $257K | $268K | 9.04% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.58% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $144 | $144 | 0.06% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 8.05% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $7K | 7.60% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 31.25% |
| MY BENEFITS HELP INC3 | 5114 POINT FOSDICK DRIVE SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $171 | — | $171 | 1.36% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.39% |
| JASEN BOICE3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| BRETT HUECHTEMAN3 | 4730 SOUTH NATIONAL AVENUE SUITE B7 SPRINGFIELD, MO 65810 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| DIANA S CHADWICK3 | 1404 8TH STREET WEST PLAINS, MO 65775 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 22.02% |
| MY BENEFITS HELP INC3 | 5114 POINT FOSDICK DRIVE SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $316 | — | $316 | 2.55% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 0.71% |
| DIANA S CHADWICK3 | 1404 8TH STREET WEST PLAINS, MO 65775 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| JASEN BOICE3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| BRETT HUECHTEMAN3 | 4730 SOUTH NATIONAL AVENUE SUITE B7 SPRINGFIELD, MO 65810 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 28.31% |
| MY BENEFITS HELP INC3 Filed as: MY BENEFITS HELP | 5114 POINT FOSDICK DRIVE SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $207 | — | $207 | 1.84% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.52% |
| DIANA S CHADWICK3 | 1404 8TH STREET WEST PLAINS, MO 65775 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| MODERN BENEFITS INC3 Filed as: MODERN CONSULTING INC | 19705 W 65TH TERRACE SHAWNEE, KS 66218 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 39.50% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.31% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 39.29% |
| MY BENEFITS HELP INC3 | 5114 POINT FOSDICK DRIVE SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | — | $84 | 0.86% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.23% |
| JASEN BOICE3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| MODERN BENEFITS INC3 Filed as: MODERN CONSULTING INC | 19705 W 65TH TERRACE SHAWNEE, KS 66218 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 32.90% |
| MY BENEFITS HELP INC3 | 5114 POINT FOSDICK DRIVE SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | — | $105 | 1.21% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.32% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $874 | — | $874 | 24.00% |
| MY BENEFITS HELP INC3 | 5114 POINT FOSDICK DRIVE SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 1.73% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.36% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $375 | — | $375 | 21.39% |
| JASEN BOICE3 | 1009 S NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.57% |
| PJB FINANCIAL AGENCY LLC3 | 1801 GREEN MEADOW DRIVE LIBERTY, MO 64068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.40% |
| BRETT HUECHTEMAN3 | 4730 SOUTH NATIONAL AVENUE SUITE B7 SPRINGFIELD, MO 65810 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.06% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $20K | — | $20K | — |
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 | 795 | 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) | 795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,097 | $3.0M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,097 | $3.0M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,009 | $29K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 983 | $253K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 641 | $105K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 792 | $86K |
| Other(9 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 983 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,097 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.