| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC - KC | 120 WEST 12TH STREET SUITE 1000 KANSAS CITY, MO 64105 | DELTA DENTAL OF MISSOURI | $3K | — | $3K | 10.05% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 120 WEST 12TH STREET SUITE 1000 KANSAS CITY, MO 64105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $46 | $1K | 16.90% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC - KC | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | ADVANTICA INSURANCE COMPANY | $771 | — | $771 | 10.74% |
| THOMAS MCGEE LC3 Filed as: THOMAS MCGEE L C | 120 WEST 12TH STREET SUITE 1000 KANSAS CITY, MO 64105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $623 | — | $623 | 10.10% |
| WOODY FINANCIAL GROUP INC3 Filed as: WOODY FINANCIAL GROUP, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.10% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 106 | $32K |
| Vision | ADVANTICA INSURANCE COMPANY | 81 | $7K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $14K |
| Stop-loss / reinsurancereinsurance(2 contracts) | ZURICH AMERICAN INSURANCE COMPANY | 92 | $336K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.