| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE PLANNING BENEFITS LLC3 Filed as: CREATIVE PLANNING BENEFITS, LLC | 5440 W. 110TH STREET STE. 100 OVERLAND PARK, KS 66221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 13.42% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES, INC. | 4601 COLLEGE BLVD. #100 LEAWOOD, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $540 | $2K | 8.52% |
| CREATIVE PLANNING BENEFITS LLC3 Filed as: CREATIVE PLANNING BENEFITS, LLC | 5440 W. 110TH STREET STE. 100 OVERLAND PARK, KS 66221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.07% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES, INC. | 4601 COLLEGE BLVD. #100 LEAWOOD, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $969 | $499 | $1K | 5.91% |
| CREATIVE PLANNING BENEFITS LLC Filed as: CREATIVE PLANNING BENEFITS, LLC | 5440 W. 110TH STREET STE. 100 OVERLAND PARK, KS 66221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 36.91% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES, INC. | 4601 COLLEGE BLVD SUITE 210 LEAWOOD, KS 66211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 24.36% |
| TENEO HEALTH, LLC3 | 11755 PEAKVIEW AVENUE, SUITE 250 ENGLEWOOD, CO 80111 | MERITAIN HEALTH | — | $38K | $38K | — |
| CREATIVE PLANNING BENEFITS LLC3 Filed as: CREATIVE PLANNING BENEFITS, LLC | 5440 W. 110TH STREET STE. 100 OVERLAND PARK, KS 66221 | MERITAIN HEALTH | — | $15K | $15K | — |
| BUKATY COMPANIES3 Filed as: BUKATY AGENCY | 4601 COLLEGE BLVD. #100 LEAWOOD, KS 66211 | MERITAIN HEALTH | — | $15K | $15K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Other services; Plan Administrator; Claims processing Service code 12 | PO BOX 27810 MINNEAPOLIS, MN 55427 | $69K |
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 | 260 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 169 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 260 | $28K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $25K |
| Prescription drug | MERITAIN HEALTH | 169 | $0 |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 260 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.