| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRETCHER HEARTLAND POWER GROUP3 Filed as: CRETCHER HEARTLAND/POWER GROUP | 4550 W. 109TH STREET, SUITE 300 OVERLAND PARK, KS 66210 | BLUE CROSS BLUE SHIELD OF KC | $50K | $21K | $70K | 5.05% |
| TRUSS, LLC3 | 4551 W. 107TH STREET, SUITE 300 OVERLAND PARK, KS 662071209 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 15.53% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | — | $868 | $868 | 0.83% |
| TRUSS, LLC3 | 4551 W. 107TH STREET, SUITE 300 OVERLAND PARK, KS 662071209 | DELTA DENTAL OF KANSAS, INC. | $5K | — | $5K | 5.04% |
| TRUSS, LLC3 | 4551 W. 107TH STREET, SUITE 300 OVERLAND PARK, KS 662071209 | SURENCY LIFE AND HEALTH | $2K | — | $2K | 10.00% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KC | 321 | $1.4M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 164 | $102K |
| Vision | SURENCY LIFE AND HEALTH | 134 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 191 | $104K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 191 | $104K |
| Other | HARTFORD LIFE AND ACCIDENT | 191 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.