| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | METROPOLITAN LIFE INSURANCE COMPANY (DENTAL/VISION) | $13K | — | $13K | 7.19% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | METROPOLITAN LIFE INSURANCE COMPANY (LTD) | $25K | $3K | $28K | 33.33% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | METROPOLITAN LIFE INSURANCE COMPANY (STD) | $15K | $2K | $17K | 23.25% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | METROPOLITAN LIFE INSURANCE COMPANY (LIFE/ADD) | $6K | $887 | $7K | 29.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF KC EIN 43-1257251 MEDICAL PLAN TPA | Contract Administrator Service code 13 | ONE PERSHING SQUARE 2301 MAIN PO BOX 419169 KANSAS CITY, MO 641416169 | $231K |
| ELIXIR CRAFTED RX SOLUTIONS EIN 90-1011712 PROVIDES CLAIMS ADMIN | Contract Administrator Service code 13 | 7101 COLLEGE BLVD STE 1000 OVERLAND PARK, KS 66210 | $12K |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY (DENTAL/VISION) | 618 | $181K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY (DENTAL/VISION) | 618 | $181K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY (LIFE/ADD) | 620 | $24K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY (STD) | 111 | $72K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY (LTD) | 620 | $84K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF KANSAS CITY | 378 | $265K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY (LIFE/ADD) | 620 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.