| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | 7415 WEST 130TH STREET SUITE 200 OVERLAND PARK, KS 66211 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.57% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $4K | $9K | 12.82% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 ST LOUIS, MO 63122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.10% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 MEDICAL PLAN TPA | Contract Administrator; Claims processing Service code 12 | — | $81K |
| ACRISURE WALLSTREET PARTNERS LLC EIN 37-1846319 BROKER | Insurance agents and brokers Service code 22 | — | $7K |
| BUKATY COMPANIES EIN 48-1224371 BROKER | Insurance agents and brokers Service code 22 | — | $2K |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $70K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $70K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 160 | $88K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 160 | $88K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 160 | $88K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY, INC. | 128 | $426K |
| Other | AETNA LIFE INSURANCE COMPANY | 160 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.