| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC. | 4300 SHAWNEE MISSION PKWY FAIRWAY, KS 66205 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $70K | $26K | $96K | 4.09% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC. | 3500 W 75TH BLVD. PRAIRIE VILLAGE, KS 66208 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $2K | $6K | 5.28% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | PRINCIPAL LIFE INSURANCE COMPANY | $626 | — | $626 | 0.58% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC. | 3500 W 75TH BLVD. PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 12.29% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $494 | — | $494 | 1.33% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC. | 3500 W 75TH BLVD. PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.27% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $454 | — | $454 | 1.34% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC. | 3500 W 75TH BLVD. PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.61% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $243 | — | $243 | 1.18% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC. | 3500 W 75TH BLVD. PRAIRIE VILLAGE, KS 66208 | VISION SERVICE PLAN | $1K | — | $1K | 7.27% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | VISION SERVICE PLAN | $353 | — | $353 | 1.77% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 190 | $2.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $108K |
| Vision | VISION SERVICE PLAN | 128 | $20K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $37K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 190 | $2.3M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.