| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF | KANSAS CITY 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $15K | — | $15K | 13.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $13K | — | $13K | 12.00% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | STANDARD SECURITY LIFE | $9K | — | $9K | 10.00% |
| TREVOR GARTNER3 | 5449 WEST 129TH TERRACE LEAWOOD, KS 66209 | TRUSTMARK INSURANCE COMPANY | $50K | — | $50K | 57.98% |
| TAYLOR AND SONS INSURANCE AGENCY3 | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 1.68% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET STE 1100 KANSAS CITY, MO 64112 | UNION SECURITY INSURANCE COMPANY | $3K | $3K | $6K | 8.29% |
| NATIONAL INSURANCE MARKETING BROKER3 | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | LOYAL AMERICAN LIFE INSURANCE COMPANY | $22K | — | $22K | 29.05% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $6K | — | $6K | 10.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF | KANSAS CITY 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $3K | — | $3K | 6.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $701 | $4K | 15.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF | KANSAS CITY 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $2K | — | $2K | 13.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $2K | — | $2K | 12.00% |
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 | 730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNION SECURITY INSURANCE COMPANY | 416 | $75K |
| Life insurance(2 contracts) | USABLE LIFE | 682 | $168K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $28K |
| Other(5 contracts, 4 carriers) | STANDARD SECURITY LIFE | 682 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.