| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN A MEIER | PO BOX 37087 TOPEKA, KS 66667 | ADVANCE INSURANCE COMPANY OF KANSAS | $14K | — | $14K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEIER & MEIER EIN 50-9620766 CONSULTANT/BROKER | Consulting (general); Insurance agents and brokers; Direct payment from the plan Service code 16 | PO BOX 67087 TOPEKA, KS 66667 | $67K |
| WILLIAM C EARHART EIN 20-0520351 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 3140 NE BROADWAY PORTLAND, OR 97208 | $51K |
| FINANCIAL COUNSELORS, INC. INVESTMENT CUSTODIAN | Direct payment from the plan; Investment management Service code 28 | 5901 COLLEGE BLVD 110 OVERLAND PARK, KS 66211 | $37K |
| MORROW & CO, LLC EIN 48-1142797 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | 421 E 3RD ST N WICHITA, KS 67202 | $31K |
| EMPRISE BANK EIN 74-2809141 CUSTODIAN | Direct payment from the plan; Custodial (securities) Service code 19 | 257 N BROADWAY AVE WICHITA, KS 67202 | $27K |
| BROWN & RUPRECHT, PC EIN 43-1063434 LEGAL | Direct payment from the plan; Legal Service code 29 | 2323 GRAND BLVD 1100 KANSAS CITY, MO 64108 | $16K |
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 | 635 | 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) | 635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 1,890 | $1.8M |
| Dental | BLUE CROSS BLUE SHIELD OF KANSAS | 1,890 | $1.8M |
| Vision | BLUE CROSS BLUE SHIELD OF KANSAS | 1,890 | $1.8M |
| Life insurance | ADVANCE INSURANCE COMPANY OF KANSAS | 635 | $140K |
| Short-term disability | ADVANCE INSURANCE COMPANY OF KANSAS | 635 | $140K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 1,890 | $1.8M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 1,890 | $1.8M |
| Other | ADVANCE INSURANCE COMPANY OF KANSAS | 635 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,890 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.