| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT M HEFNER3 | 4204 WEST 110TH TERRACE LEAWOOD, KS 66211 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.14% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD, SUITE 100 LEAWOOD, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $10K | $36K | 13.65% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD, SUITE 100 LEAWOOD, KS 66211 | DELTA DENTAL OF OKLAHOMA | $9K | $0 | $9K | 4.19% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD, SUITE 100 LEAWOOD, KS 66211 | GUARDIAN LIFE INSURANCE COMPANY | $14K | $2K | $17K | 29.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SCOTT HEFNER AGENT/BROKER | Insurance agents and brokers Service code 22 | 4204 WEST 110TH TERRACE LEAWOOD, KS 66211 | $72K |
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 | 1,360 | 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) | 1,360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 452 | $2.9M |
| Dental | DELTA DENTAL OF OKLAHOMA | 470 | $208K |
| Vision | AETNA LIFE INSURANCE COMPANY | 452 | $2.9M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,360 | $265K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,360 | $265K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 452 | $2.9M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,360 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,360 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.