| 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 | $26K | — | $26K | 2.30% |
| COMMUNITY INSURANCE LLC3 | STE 600 100 CHURCH ST HUNTSVILLE, AL 35801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $7K | $28K | 14.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON STE 600 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $1K | $12K | 11.06% |
| 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 | 4.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON STE 600 CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $794 | $7K | 11.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON STE 600 CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $693 | $6K | 11.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON STE 600 CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $529 | $5K | 11.25% |
| 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 | $1K | — | $1K | 3.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON CHICAGO, IL 60604 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS | PO BOX 677558 DALLAS, TX 75267 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $688 | $4K | 18.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS | PO BOX 677558 DALLAS, TX 75267 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $372 | $2K | 18.06% |
| 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 | $1K | — | $1K | 8.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS | PO BOX 677558 DALLAS, TX 75267 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $304 | $2K | 18.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS | PO BOX 677558 DALLAS, TX 75267 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $509 | $104 | $613 | 18.07% |
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 | 1,336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 248 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $84K |
| Vision(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 635 | $311K |
| Life insurance(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 732 | $414K |
| Short-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 408 | $263K |
| Long-term disability(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 437 | $255K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 248 | $1.1M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 732 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 732 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.