| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 Filed as: BUKATY AGENCY INC | 4601 COLLEGE BOULEVARD, SUITE 210 LEAWOOD, KS 66211 | AETNA LIFE INSURANCE CO. | $7K | $2K | $9K | 0.63% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 0.26% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BOULEVARD, SUITE 210 LEAWOOD, KS 66211 | THE GUARDIAN LIFE INSURANE COMPANY OF AMERICA | $10K | $1K | $11K | 12.11% |
| HOLMES MURPHY & ASSOCIATES3 | 13810 FNB PARKWAY, SUITE 300 OMAHA, NE 68154 | THE GUARDIAN LIFE INSURANE COMPANY OF AMERICA | $8K | $186 | $8K | 8.42% |
| TECHSOURCE INC3 | 9710 WEST 145TH TERRACE LEAWOOD, KS 66211 | THE GUARDIAN LIFE INSURANE COMPANY OF AMERICA | $909 | — | $909 | 0.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUKATY AGENCY INC EIN 48-1224371 BROKER | Insurance agents and brokers Service code 22 | — | $53K |
| HOLMES MURPHY & ASSOCIATES EIN 42-0985055 BROKER | Insurance agents and brokers Service code 22 | — | $32K |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 247 | $1.4M |
| Dental | AETNA LIFE INSURANCE CO. | 247 | $1.4M |
| Vision | AETNA LIFE INSURANCE CO. | 247 | $1.4M |
| Life insurance | THE GUARDIAN LIFE INSURANE COMPANY OF AMERICA | 174 | $95K |
| Short-term disability | THE GUARDIAN LIFE INSURANE COMPANY OF AMERICA | 174 | $95K |
| Long-term disability | THE GUARDIAN LIFE INSURANE COMPANY OF AMERICA | 174 | $95K |
| Other | THE GUARDIAN LIFE INSURANE COMPANY OF AMERICA | 174 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.