| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL INSURANCE MARKETING BROKER3 Filed as: NATIONAL INSURANCE MARKETING B | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $114K | $1K | $115K | 6.56% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 1721 EMERSON ROAD, SUITE 400 SAINT LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 2.27% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | 721 EMERSON ROAD, SUITE 400 SAINT LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $645 | — | $645 | 0.47% |
| NATIONAL INSURANCE MARKETING BROKER3 Filed as: NATIONAL INSURANCE MARKETING | 4551 W 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | TRANSAMERICA LIFE INSURANCE COMPANY | $59K | — | $59K | 43.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | 1765 E SKYLINE DRIVE TUCSON, AZ 85718 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | — | $14K | 10.62% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LEGALPLANS, USA | $3K | — | $3K | 10.00% |
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 | 7,532 | 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) | 7,532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,532 | $1.8M |
| Vision | AETNA LIFE INSURANCE COMPANY | 3,061 | $136K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,532 | $1.9M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,532 | $1.8M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,532 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,532 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.