| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADM BENEFIT PLANS AGENCY, INC.3 | — | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 2.99% |
| ADM BENEFIT PLANS AGENCY, INC.3 Filed as: ADM BENEFIT PLANS AGENCY INC | 203 S SANDUSKY AVE PO BOX 624 BUCYRUS, OH 448202222 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.80% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES, INC. | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 662111650 | METROPOLITAN LIFE INSURANCE COMPANY | $247 | $116 | $363 | 0.66% |
| ADM BENEFIT PLANS AGENCY, INC.3 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.27% |
| ADM BENEFIT PLANS AGENCY, INC.3 | — | CINCINNATI LIFE INSURANCE COMPANY | $4K | — | $4K | 48.58% |
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 | 483 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS | 435 | $2.0M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 262 | $114K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 483 | $23K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 325 | $63K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 325 | $55K |
| Long-term disability | CINCINNATI LIFE INSURANCE COMPANY | 17 | $8K |
| Prescription drug | BLUECROSS BLUESHIELD OF KANSAS | 435 | $2.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 325 | $55K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.