| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF KANSAS CITY | $50K | $246K | $296K | 1.53% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $206K | — | $206K | 13.20% |
| HATTERAS5 | 56 PARK ROAD TINTON FALLS, NJ 07724 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.11% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 6300 W 143RD STREET, SUITE 200 OVERLAND PARK, KS 66223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 14.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSTAT, INC. EIN 56-2273744 ON-SITE CLINIC | Contract Administrator Service code 13 | — | $588K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 DENTAL ADMINISTRATOR | Claims processing Service code 12 | — | $70K |
| PRUDENTIAL INSURANCE COMPANY OF AM. EIN 22-1211670 STD ADMINISTRATOR | Contract Administrator Service code 13 | — | $20K |
| PAYFLEX EIN 91-1774434 FSA ADMINISTRATOR | Contract Administrator Service code 13 | — | $7K |
| COMPSYCH EIN 35-3739783 ADMINISTRATOR | Contract Administrator Service code 13 | — | $3K |
| HATTERAS ADMINISTRATOR | Contract Administrator Service code 13 | 56 PARK ROAD TINTON FALLS, NJ 07724 | $0 |
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 | 1,466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 3,408 | $19.4M |
| Vision | SURENCY LIFE AND HEALTH | 892 | $151K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,530 | $1.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,530 | $1.6M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,530 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,408 | — |
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.