| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | UNITEDHEALTH INSURANCE COMPANY | $14K | $101K | $115K | 5.58% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | UNITED OF OMAHA LIFE INSURANCE CO | $15K | — | $15K | 15.00% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | GUARDIAN LIFE INSURANCE CO | $2K | — | $2K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 66211 | GUARDIAN LIFE INSURANCE CO | $142 | — | $142 | 0.62% |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTH INSURANCE COMPANY | 147 | $2.1M |
| Vision | GUARDIAN LIFE INSURANCE CO | 128 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 169 | $98K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 169 | $98K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 169 | $98K |
| Prescription drug | UNITEDHEALTH INSURANCE COMPANY | 147 | $2.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE CO | 169 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.