| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS CITY | 12980 METCALF AVE, STE 500 OVERLAND PARK, KS 66213 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $47K | $149K | $197K | 2.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 2.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 32059 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $2K | — | $2K | 2.00% |
| DISABILITY INSURANCE SVCS INC3 Filed as: DISABILITY INS SVCS INC | 4444 ZION AVE, STE B SAN DIEGO, CA 92120 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 32059 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $501 | — | $501 | 0.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SVCS INC | 1250 CAPITAL OF TX HWY SBLDG #2 STE 600 AUSTON, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $283 | — | $283 | 0.53% |
| JACOBSON ASSOCIATES INC3 | 5020 CENTRE AVE PITTSBURGH, PA 15213 | METROPOLITAN LIFE INSURANCE COMPANY | $189 | — | $189 | 0.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 26 CENTURY BLVD NASJVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $5K | 14.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS CITY | 12980 METCALF AVE, STE 500 OVERLAND PARK, KS 66213 | FOUR EVER LIFE INS. CO. | $388 | — | $388 | 14.99% |
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 | 609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 622 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 620 | $7.4M |
| Vision | VISION SERVICE PLAN | 651 | $113K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 768 | $416K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 768 | $416K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 768 | $509K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 768 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.