| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SERVICES, INC. | 1200 MAIN STREET KANSAS CITY, MO 64105 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $60K | $17K | $77K | 6.40% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SVCS | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 7.98% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SERVICES, INC. | PO BOX 749140 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.80% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.35% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SVCS | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.10% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SERVICES, INC. | PO BOX 749140 ATLANTA, GA 30374 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.50% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 272 | $1.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 146 | $72K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 146 | $72K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $102K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $102K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 272 | $1.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.