| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1205 WESTLAKES DRIVE, SUITE 290 BERWYN, PA 19312 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $27K | $48K | $75K | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS. SERVICES, INC | UNKNOWN BELTON, MO 64012 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $19K | $54K | $73K | 1.62% |
| HAYS COMPANIES, INC.3 | 80 SOUTH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $34K | $34K | $68K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $48K | $0 | $48K | 2.80% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $7K | $7K | 0.40% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $889 | $889 | 0.05% |
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 | 1,395 | 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) | 1,395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 1,852 | $12.1M |
| Dental | STANDARD INSURANCE COMPANY | 1,395 | $1.7M |
| Vision | VISION SERVICE PLAN | 881 | $121K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,395 | $1.7M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,395 | $1.7M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,395 | $1.7M |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 1,852 | $12.1M |
| Other | STANDARD INSURANCE COMPANY | 1,395 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,852 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.