| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKER SOURCE3 Filed as: BROKER SOURCE INC. | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | UNION SECURITY INSURANCE COMPANY (TEMP) | $29K | — | $29K | 45.01% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | UNION SECURITY INSURANCE COMPANY (TEMP) | — | $6K | $6K | 9.30% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | UNION SECURITY INSURANCE COMPANY (LTD) | $9K | $7K | $16K | 31.69% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | UNION SECURITY INSURANCE COMPANY (VISION) | $4K | $4K | $7K | 19.36% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | UNION SECURITY INSURANCE COMPANY (LIFE/ADD) | — | $2K | $2K | 9.46% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | UNION SECURITY INSURANCE COMPANY (LTD) | $3K | $7K | $10K | 71.24% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | UNION SECURITY INSURANCE COMPANY (VISION) | $1K | $4K | $5K | 39.55% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | UNION SECURITY INSURANCE COMPANY (LIFE/ADD) | — | $2K | $2K | 27.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF KANSAS CITY EIN 57-0287419 PROVIDES CLAIMS ADMIN | Contract Administrator Service code 13 | ONE PERSHING SQUARE 2301 MAIN PO BOX 419169 KANSAS CITY, MO 641416169 | $294K |
| MEDTRAK SERVICES, LLC EIN 36-4221427 PROVIDES CLAIMS ADMIN | Claims processing Service code 12 | 7101 COLLEGE BLVD STE 1000 OVERLAND PARK, KS 66210 | $28K |
| DENTAL DENTAL OF KANSAS EIN 48-0793267 PROVIDES CLAIMS ADMIN | Contract Administrator Service code 13 | 1619 N WATERFRONT PARKWAY PO BOX 789769 WICHITA, KS 67278 | $17K |
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 | 614 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | UNION SECURITY INSURANCE COMPANY (VISION) | 291 | $50K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY (LIFE/ADD) | 645 | $32K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY (TEMP) | 188 | $65K |
| Long-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY (LTD) | 188 | $64K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 450 | $201K |
| Other(2 contracts) | UNION SECURITY INSURANCE COMPANY (LIFE/ADD) | 645 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.