| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE CO. | $4K | $57K | $61K | 1.43% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO WICHITA, KS 67202 | AETNA LIFE INSURANCE CO. | — | $47K | $47K | 1.10% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | $2K | $39K | 13.47% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA, SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 4.54% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $1K | — | $1K | 3.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $680 | — | $680 | 1.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF KANSAS, INC EIN 48-0793267 ADMINISTRATOR | Contract Administrator Service code 13 | — | $9K |
| MAVEN CLINIC CO. EIN 46-5747423 ADMINISTRATOR | Direct payment from the plan; Other services Service code 49 | — | $9K |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 513 | $4.3M |
| Vision | VISION SERVICE PLAN | 184 | $35K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $288K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $288K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $288K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
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.