Form 5500 · Employee benefit plan · KANSAS CITY, MO
BURNS & MCDONNELL, INC.
The filing calls this plan BURNS & MCDONNELL, INC. HEALTH AND WELFARE BENEFITS PLAN.
BURNS & MCDONNELL, INC. of KANSAS CITY, MO insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through DELTA DENTAL OF MISSOURI and 10 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 43-1393692 · plan 503 · plan year 2025, filed Jul 24, 2026
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94 other employer plans in Missouri have policy years ending in June. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: FOUR EVER LIFE INS CO. covers 71 of 14,687 participants (0.5%) on Schedule A.
Also declared: prepaid legal, death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 12 insured contracts covering health, dental, vision, life and disability; the largest, with DELTA DENTAL OF MISSOURI, covers 22,133 people.
Reported premium across the insured contracts is $15,874,308, with $822,666 in disclosed broker commissions — about 5.2% of premium.
The health contract's policy period ended in June, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
LOCKTON COMPANIES, LLC is the broker of record on 8 of the 12 contracts; the rest name a different broker or none.
11 carriers appear on the filing, including DELTA DENTAL OF MISSOURI, HARTFORD LIFE AND ACCIDENT, RELIASTAR LIFE INSURANCE COMPANY and SURENCY LIFE AND HEALTH. DELTA DENTAL OF MISSOURI writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | — | 5,777 | Jan 1, 2026 | $1,323,255 | $288,054 |
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 10,894 | Jan 1, 2026 | $4,940,513 | $249,661 |
| FEDERAL INSURANCE COMPANY | — | 9,030 | Jan 1, 2026 | $620,500 | $133,899 |
| FOUR EVER LIFE INS CO. | Health | 71 | Jul 1, 2025 | $931,128 | $93,113 |
| METLIFE LEGAL PLANS | — | 2,407 | Jan 1, 2026 | $463,032 | $51,937 |
| FOUR EVER LIFE INS CO. | — | 71 | Jul 1, 2025 | $16,345 | $2,452 |
| AMERITAS LIFE INSURANCE CORP. | Dental, Vision | 64 | Jan 1, 2026 | $21,820 | $2,182 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 26 | Jan 1, 2026 | $5,665 | $1,262 |
| CRUM & FORSTER | — | 61 | Jan 1, 2026 | $1,102 | $106 |
| DELTA DENTAL OF MISSOURI | Dental | 22,133 | Jan 1, 2026 | $6,326,380 | $0 |
| SURENCY LIFE AND HEALTH | Vision | 7,575 | Jan 1, 2026 | $985,839 | $0 |
| CURALINC LLC | — | 10,174 | Jan 1, 2026 | $238,729 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
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