| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | — | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $89K | $16K | $105K | 4.68% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 4435 MAIN STREET FLOOR 4 KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $17 | $22K | 7.27% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $5K | $20K | 6.52% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY LLC D/B/A INSU | PO BOX 191 SEDALIA, MO 65302 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 2.86% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET FLOOR 4 KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.70% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 4435 MAIN STREET FLOOR 4 KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $17 | $2K | 14.27% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET FLOOR 4 KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $877 | — | $877 | 7.35% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $641 | $228 | $869 | 7.28% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 4435 MAIN STREET FLOOR 4 KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $832 | $17 | $849 | 14.18% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET FLOOR 4 KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $440 | — | $440 | 7.35% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $318 | $113 | $431 | 7.20% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 198 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $305K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $305K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $305K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $305K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $305K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.
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.