| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 32059 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $50K | $272 | $51K | 1.07% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $10K | $0 | $10K | 1.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 32059 COLLECTION CENTER CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $0 | $26K | 11.85% |
| PAYCOR INC3 Filed as: PAYCOR INC. | 4811 MONTGOMERY RD CINCINNATI, OH 45212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8K | $8K | 3.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 32059 COLLECTION CENTER CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 11.83% |
| PAYCOR INC3 Filed as: PAYCOR INC. | 4811 MONTGOMERY RD CINCINNATI, OH 45212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 3.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 32059 COLLECTION CENTER CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 11.93% |
| PAYCOR INC3 Filed as: PAYCOR INC. | 4811 MONTGOMERY RD CINCINNATI, OH 45212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 3.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 32059 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.78% |
| PAYCOR INC3 Filed as: PAYCOR INC. | 4811 MONTGOMERY RD CINCINNATI, OH 45212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$3K | $2K | -$309 | -1.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 32059 COLLECTION CENTER CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1K | — | -$1K | -4.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Contract Administrator; Claims processing Service code 12 | — | $39K |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 1,044 | $5.6M |
| Vision | VISION SERVICE PLAN | 363 | $79K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 413 | $218K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 414 | $104K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 414 | $114K |
| Prescription drug(2 contracts) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 1,044 | $5.6M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 414 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,044 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.