| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HALLIER REED LLC3 Filed as: HALLIER BENEFIT ADVISORS | 1229 SWIFT AVE NORTH KANSAS CITY, MO 64116 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $109K | $20K | $129K | 2.85% |
| ACRISURE LLC3 | 1321 BURLINGTON ST. SUITE 200 NORTH KANSAS CITY, MO 64116 | GUARDIAN | $68K | $15K | $82K | 14.16% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $15K | $0 | $15K | 2.54% |
| JOHN A. SCOTTI3 Filed as: JOHN SCOTTI | 100 STANWIX ST. PITTSBURG, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $417 | $20 | $437 | 10.13% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 724 | $4.5M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 334 | $585K |
| Vision | GUARDIAN | 334 | $580K |
| Life insurance | GUARDIAN | 334 | $580K |
| Long-term disability | GUARDIAN | 334 | $580K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 480 | $616K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 724 | — |
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.