| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51K | $5K | $55K | 5.46% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | — | $49K | 5.00% |
| NATIONAL INSURANCE MKTG BROKERS LLC3 | PO BOX 10190 KANSAS CITY, MH 641710190 | KANAWHA INSURANCE COMPANY | $193K | $21K | $215K | 25.29% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $40K | $18K | $58K | 7.22% |
| BRET M BOEGER3 | ROBERT E MILLER GROUP 6363 COLLEGE BLVD LEAWOOD, KS 662111882 | AETNA LIFE INSURANCE CO. | $39K | — | $39K | 6.33% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | AETNA LIFE INSURANCE CO. | $26K | — | $26K | 4.20% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELWARE INC | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 9.97% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NE 100878852 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 5.42% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP ADVISORS, LLC | 410 ARCHIBALD ST KANSAS CITY, MO 64111 | HYATT LEGAL PLANS, INC. | $11K | — | $11K | 5.91% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP ADVISORS, LLC | 4747 WEST 135TH STREET STE 350 LEAWOOD, KS 66224 | HYATT LEGAL PLANS, INC. | $8K | $53 | $8K | 4.43% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYE MED | $9K | — | $9K | 8.88% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NE 100878852 | SECURIAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.19% |
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 | 10,538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,038 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 3,364 | $5.4M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 657 | $1.3M |
| Vision(6 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 2,524 | $1.8M |
| Life insurance(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 27,281 | $1.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.0M |
| Prescription drug | HMSA | 146 | $534K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,920 | $982K |
| Other(4 contracts, 4 carriers) | KANAWHA INSURANCE COMPANY | 16,333 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,281 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.