| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT M HEFNER3 Filed as: SCOTT M. HEFNER | 4204 WEST 110TH TERRACE LEAWOOD, KS 66211 | AETNA LIFE INSURANCE COMPANY | $6K | $105K | $111K | 3.02% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES, INC. | 4601 COLLEGE BOULEVARD, SUITE 100 LEAWOOD, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $17K | $48K | 15.45% |
| BUKATY COMPANIES3 Filed as: MICHAEL J. BUKATY | 4601 COLLEGE BOULEVARD, SUITE 100 LEAWOOD, KS 66211 | DELTA DENTAL OF OKLAHOMA | $11K | $0 | $11K | 4.00% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES, INC. | 4601 COLLEGE BOULEVARD, SUITE 100 LEAWOOD, KS 66211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $6K | $21K | 35.40% |
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 | 1,553 | 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) | 1,553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 984 | $3.7M |
| Dental | DELTA DENTAL OF OKLAHOMA | 663 | $278K |
| Vision | AETNA LIFE INSURANCE COMPANY | 984 | $3.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,553 | $311K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,553 | $311K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,553 | $311K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 984 | $3.7M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,553 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,553 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.