| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD LEAWOOD, KS 66211 | SUN LIFE ASSURANCE COMPANY | $53K | $0 | $53K | 13.43% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH INC. | 300 CORPORATE PKWY AMHERST, NY 14226 | SUN LIFE ASSURANCE COMPANY | $0 | $3K | $3K | 0.69% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD LEAWOOD, KS 66211 | UNION SECURITY INSURANCE COMPANY | $28K | $0 | $28K | 20.00% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD LEAWOOD, KS 66211 | FIDELITY SECURITY LIFE | $3K | $0 | $3K | 10.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $158K |
| BUKATY COMPANIES EIN 48-1224371 AGENT | Insurance agents and brokers Service code 22 | — | $74K |
| DELTA DENTAL OF MO EIN 43-0908349 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $37K |
| TRIA HEALTH LLC EIN 27-1515235 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $25K |
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 | 351 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE | 274 | $23K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 212 | $141K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 212 | $141K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY | 351 | $391K |
| Other | UNION SECURITY INSURANCE COMPANY | 212 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.