| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $121K | $23K | $144K | 5.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 100 FRONT ST, STE 800 WORCESTER, MA 01608 | USABLE LIFE | $25K | — | $25K | 13.22% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KANSAS | CITY 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $9K | — | $9K | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC - HAAKE DIVISION | MARSH MCLENNAN AGENCY LLC 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | DELTA DENTAL OF MISSOURI | $6K | $277 | $6K | 5.24% |
| HAAKE INSURANCE AGENCY3 Filed as: HAAKE INS AGENCY | 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.46% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | — | $169 | $169 | 0.76% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 421 | $2.4M |
| Dental | DELTA DENTAL OF MISSOURI | 442 | $118K |
| Vision | STANDARD INSURANCE COMPANY | 244 | $22K |
| Life insurance | USABLE LIFE | 221 | $193K |
| Short-term disability | USABLE LIFE | 221 | $193K |
| Long-term disability | USABLE LIFE | 221 | $193K |
| Other | USABLE LIFE | 221 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.
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.