| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON BENEFIT COMPANY | 444 W 47TH STREET SUITE 600 KANSAS CITY, MO 64112 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $13K | $15K | $29K | 3.76% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 452632886 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $125 | $6K | 9.98% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | 700 W 47TH STREET SUITE 1100 KANSAS CITY, MO 641121922 | DELTA DENTAL OF KANSAS | $2K | $0 | $2K | 5.00% |
| ZACH CORPORATION3 | P.O. BOX 2597 WATERLOO, IA 50704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 10.98% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEIFTS AND INSURANCE SERVICE | 700 W 47TH STREET SUITE 1100 KANSAS CITY, MO 641121922 | AMERITAS LIFE INSURANCE CORP | $1K | $132 | $2K | 7.70% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 81 | $763K |
| Dental | DELTA DENTAL OF KANSAS | 83 | $47K |
| Vision | AMERITAS LIFE INSURANCE CORP | 73 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $30K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $55K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $55K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.