| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS, INC. | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $147K | $34K | $182K | 2.04% |
| HAYS COMPANIES, INC.3 | 80 SOUTH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $38K | $6K | $44K | 14.40% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS, INC. | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | DELTA DENTAL OF KANSAS, INC | $5K | $0 | $5K | 4.36% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS, INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 21.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS, INC. | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $1K | — | $1K | 4.63% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $154 | — | $154 | 0.50% |
| BROWN & BROWN INSURANCE SERVICES4 Filed as: BROWN AND BROWN INS SVCS, INC. | 7570 WEST 21ST STREET NORTH SUITE 1038A WICHITA, KS 67205 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 17.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS, INC. | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $576 | — | $576 | 10.01% |
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 | 431 | 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) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 483 | $8.9M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC | 133 | $215K |
| Vision | VISION SERVICE PLAN | 230 | $31K |
| Life insurance | STANDARD INSURANCE COMPANY | 342 | $305K |
| Long-term disability | STANDARD INSURANCE COMPANY | 342 | $305K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 483 | $8.9M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 342 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.