| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 12980 METCALF, SUITE 500 OVERLAND PARK, KS 66213 | BLUE CROSS BLUE SHIELD OF KANSAS | $28K | — | $28K | 2.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON STE 600 CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 6.62% |
| FST ASSOCIATES INC3 | 55 W MONROE STE 500 CHICAGO, IL 60603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.30% |
| COMMUNITY INSURANCE LLC3 | 1141 MONTLIMAR DRIVE SUITE 2500 MOBILE, AL 36609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $20K | 16.51% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 89 MONROE CENTER NW STE 200 GRAND RAPIDS, MI 49503 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 3.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON STE 600 CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $919 | $6K | 6.43% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES | 55 W. MONROE SUITE 500 CHICAGO, IL 60603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON STE 600 CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $771 | $5K | 6.45% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES | 55 W. MONROE SUITE 500 CHICAGO, IL 60603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 245 N WACO ST STE 300 WICHITA, KS 67202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.85% |
| WOODY FINANCIAL GROUP INC3 | 7311 W 130 ST STE 130 OVERLAND PARK, KS 66213 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON STE 600 CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $606 | $4K | 6.54% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES DBA LAURUS STRATEGIE | 55 W. MONROE SUITE 500 CHICAGO, IL 60603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON CHICAGO, IL 60604 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 7.19% |
| LAURUS STRATEGIES3 | 55 W. MONROE SUITE 500 CHICAGO, IL 60603 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.61% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 89 MONROE CENTER NW SUITE 200 GRAND RAPIDS, MI 49503 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 11.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $132 | $2K | 15.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $122 | $2K | 15.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $120 | $2K | 15.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $96 | $2K | 15.84% |
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 | 1,425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 497 | $3.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $77K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 793 | $126K |
| Life insurance(6 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 857 | $478K |
| Short-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 497 | $230K |
| Long-term disability(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 514 | $229K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 497 | $3.0M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 857 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 857 | — |
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."
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.