| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $24K | $9K | $33K | 2.53% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $17K | $11K | $28K | 2.15% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | AMERIAS LIFE INSURANCE CORP. | $2K | — | $2K | 2.47% |
| HAAKE INSURANCE AGENCY3 Filed as: HAAKE & SONS INC. | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | AMERIAS LIFE INSURANCE CORP. | $1K | — | $1K | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | AMERIAS LIFE INSURANCE CORP. | $1K | — | $1K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | AMERIAS LIFE INSURANCE CORP. | — | $1K | $1K | 1.08% |
| HAAKE INSURANCE AGENCY3 | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $368 | $2K | 5.98% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.99% |
| HAAKE INSURANCE AGENCY3 | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $172 | $2K | 8.19% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 5.82% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE CORP. | $888 | — | $888 | 5.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | AMERITAS LIFE INSURANCE CORP. | $586 | — | $586 | 3.31% |
| HAAKE INSURANCE AGENCY3 Filed as: HAAKE & SONS INC. | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | AMERITAS LIFE INSURANCE CORP. | $294 | — | $294 | 1.66% |
| HAAKE INSURANCE AGENCY3 | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $274 | $53 | $327 | 6.08% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $265 | — | $265 | 4.92% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 281 | $1.3M |
| Dental | AMERIAS LIFE INSURANCE CORP. | 270 | $95K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 176 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 84 | $18K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.