| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KC | 12980 METCALF AVE, STE 500 OVERLAND PARK, KS 66213 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $73K | $37K | $110K | 6.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS | 12980 METCALF AVE, STE 500 OVERLAND PARK, KS 66213 | DELTA DENTAL OF KANSAS, INC. | $4K | — | $4K | 5.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 32059 COLLECTIONS CENTER DR CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 11.28% |
| COMBINED INSURANCE COMPANY OF AMERI3 Filed as: COMBINED INS COMPANY OF AMERICA | 1000 N MILWAUKEE AVE GLENVIEW, IL 60025 | COMBINED INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER RICK MANAGEMENT | 2345 GRAND BLVD, STE 900 KANSAS CITY, MO 64108 | FEDERAL INSURANCE COMPANY | $2K | $130 | $2K | 16.29% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 159 | $1.8M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 168 | $75K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $61K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $61K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $61K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.