| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PKWY, STE 500 KANSAS CITY, MO 64114 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $21K | $8K | $29K | 1.16% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $21K | $58K | $79K | 3.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE SUITE 1100 GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 2.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY SUITE 500 KANSAS CITY, MO 64114 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 1.93% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT & INSURANCE SERVICES | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 1.74% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $2K | — | $2K | 3.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY SUITE 500 KANSAS CITY, MA 64114 | VISION SERVICE PLAN | $628 | — | $628 | 1.30% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 723 | $5.0M |
| Vision | VISION SERVICE PLAN | 259 | $48K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 316 | $597K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 316 | $597K |
| Other | HARTFORD LIFE AND ACCIDENT | 316 | $597K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.