| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC K | — | BLUE CROSS BLUE SHIELD OF KANSAS CITY | — | $122K | $122K | 4.59% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 4435 MAIN STREET FLOOR 4 KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $36 | $35K | 11.81% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $4K | $18K | 6.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BOULEVARD SUITE 300 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 4435 MAIN STREET FLOOR 4 KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 20.60% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $433 | $2K | 6.43% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BOULEVARD SUITE 300 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | — | $374 | $374 | 1.29% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 4435 MAIN STREET FLOOR 4 KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $36 | $2K | 20.59% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $584 | $168 | $752 | 6.37% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BOULEVARD SUITE 300 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | — | $166 | $166 | 1.41% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET FLOOR 4 KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $47 | — | $47 | 0.40% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 165 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $299K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $299K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $299K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $299K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $299K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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."
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.