| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COX HEALTH SYSTEMS INSURANCE CO5 Filed as: COX HEALTH SYSTEMS INSURANCE COMPAN | PO BOX 5750 SPRINGFIELD, MO 658015750 | COX HEALTH SYSTEMS INSURANCE COMPANY | — | $131K | $131K | 7.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P O BOX 632886 CINCINNATI, OH 45263 | COX HEALTH SYSTEMS INSURANCE COMPANY | $63K | — | $63K | 3.38% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 W 107TH ST, STE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $5K | $67K | 24.34% |
| NATIONAL INSURANCE MARKETING BROKER5 Filed as: NATIONAL INSURANCE MARKETING | BROKERS, LLC 4551 W 107TH ST, STE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 4.45% |
| NATIONAL INS MARKETING BROKERS3 | 4551 W 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47K | — | $47K | 31.43% |
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 | 610 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 340 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 485 | $274K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 485 | $274K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 485 | $422K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 485 | $274K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 485 | $274K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 485 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.