| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYANT GROUP INC3 | 701 MARKET ST STE 1200 SAINT LOUIS, MO 63101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 3.33% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $25K | $25K | 3.00% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS COALITION SERVICES LLC | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 2.24% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS, LLC | 280 E 96TH ST STE 250 INDIANAPOLIS, IN 46240 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 1.67% |
| UNITED BENEFIT ADVISORS LLC3 | 280 E 96TH ST STE 250 INDIANAPOLIS, IN 46240 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.17% |
| BROKER SOURCE3 | 11221 ROE LEAWOOD, KS 66211 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $17K | $20K | $36K | 5.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | PO BOX 28852 NEW YORK, NY 10087 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $9K | $10K | $19K | 2.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.5M |
| BRYANT GROUP, INC. EIN 43-1339732 BROKER | Other commissions Service code 55 | 701 MARKET ST. STE 1200 ST. LOUIS, MO 63101 | $40K |
| TOWERS WATSON DELAWARE, INC. EIN 53-0181291 BROKER | Other commissions Service code 55 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | $12K |
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 | 3,649 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 3,686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 1,251 | $625K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 1,251 | $625K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,682 | $823K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,682 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.