| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE DBA HALLIER BENEFITS ADV. | 1229 SWIFT AVENUE NORTH KANSAS CITY, MO 64116 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $128K | $11K | $139K | 5.43% |
| ACRISURE LLC3 Filed as: ACRISURE DBA HALLIER BENEFIT | 1229 SWIFT AVENUE NORTH KANSAS CITY, MO 64116 | DELTA DENTAL OF KANSAS, INC. | $7K | — | $7K | 5.00% |
| ACRISURE LLC3 | 1321 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 11.30% |
| WOODY FINANCIAL GROUP INC3 | 14670 S. HARRISON STREET OLATHE, KS 66061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $71 | — | $71 | 0.09% |
| ACRISURE LLC3 | 1229 SWIFT AVENUE KANSAS CITY, MO 64116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 26.27% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ACRISURE LLC3 | 1229 SWIFT AVENUE KANSAS CITY, MO 64116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 25.42% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ACRISURE LLC3 | 1229 SWIFT AVENUE KANSAS CITY, MO 64116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 25.39% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ACRISURE LLC3 | 1229 SWIFT AVENUE KANSAS CITY, MO 64116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.08% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $899 | $899 | 5.00% |
| ACRISURE LLC3 | 1229 SWIFT AVENUE KANSAS CITY, MO 64116 | UNTIED OF OMAHA LIFE INSURANCE COMPANY | $2K | $467 | $2K | 25.45% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | UNTIED OF OMAHA LIFE INSURANCE COMPANY | — | $428 | $428 | 4.99% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 400 | $2.6M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 196 | $139K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $18K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 400 | $2.6M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.