| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOYCE JOHN D3 | 120 WEST 12TH STREET, SUITE 1000 KANSAS CITY, MO 64105 | KANSAS CITY LIFE INSURANCE COMPANY | $9K | — | $9K | 6.38% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | — | $5K | 3.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 THIRD PARTY ADMINISTRATOR | Plan Administrator; Claims processing Service code 12 | — | $33K |
| THOMAS MCGEE LC EIN 44-0345740 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $33K |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 84 | $213K |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 122 | $138K |
| Vision | KANSAS CITY LIFE INSURANCE COMPANY | 122 | $138K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 122 | $138K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 122 | $138K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 122 | $138K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 133 | $229K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 122 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.