| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KANSAS CI | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $51K | — | $51K | 8.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DRIVE STE 900 SAINT LOUIS, MO 63141 | USABLE LIFE | $38K | — | $38K | 6.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $553 | — | $553 | 7.31% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KANSAS CI | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $236 | — | $236 | 3.12% |
| YOUR BENEFITS AGENCY INC3 | 17500 CHENAL PARKWAY STE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $152 | — | $152 | 2.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $307 | — | $307 | 7.21% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KANSAS CI | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $132 | — | $132 | 3.10% |
| YOUR BENEFITS AGENCY INC3 | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $73 | — | $73 | 1.71% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOC INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | — | $473 | $473 | 15.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST KANSAS CITY, MO 64112 | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | $473 | — | $473 | 15.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRIA HEALTH LLC EIN 27-1515235 NONE | Claims processing Service code 12 | 7101 COLLEGE BLVD STE 600 OVERLAND PARK, KS 66210 | $853K |
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 | 954 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 504 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | USABLE LIFE | 1,471 | $634K |
| Prescription drug | ANTHEM INSURANCE COMPANIES INC | 384 | $461K |
| Other(4 contracts, 2 carriers) | USABLE LIFE | 1,471 | $649K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,471 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.