| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CURTIS & ASSOCIATES, INC.3 Filed as: CURTIS & ASSOCIATES, INC | 5925 NALL AVE MISSION, KS 66202 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $196K | $22K | $217K | 5.46% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $157K | $32K | $189K | 24.06% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 0.94% |
| CURTIS & ASSOCIATES, INC.3 Filed as: CURTIS & ASSOCIATES, INC | 5925 NALL AVE MISSION, KS 66202 | METROPOLITAN LIFE INSURANCE COMPANY | — | $56 | $56 | 0.01% |
| CURTIS & ASSOCIATES, INC.3 Filed as: CURTIS & ASSOCIATES, INC | 5925 NALL AVE MISSION, KS 66202 | AMERITAS LIFE INSURANCE CORP | $6K | $0 | $6K | 6.21% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 586 | $4.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 594 | $786K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 594 | $786K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 594 | $890K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 594 | $786K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 594 | $786K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 586 | $4.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 594 | $786K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.