| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | UNION SECURITY INSURANCE COMPANY | $337K | $71K | $408K | 22.39% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $90K | $70K | $160K | 12.00% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | HUMANA | $31K | $8K | $38K | 12.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SC EIN 57-0287419 MEDICAL PLAN TPA | Claims processing; Contract Administrator Service code 12 | — | $1.8M |
| DELTA DENTAL OF KS EIN 48-0793267 DENTAL PLAN TPA | Claims processing; Contract Administrator Service code 12 | — | $75K |
| UMB, N.A. EIN 44-0194180 HSA PLAN TPA | Claims processing; Contract Administrator Service code 12 | — | $59K |
| NUESYNERGY EIN 46-0553674 FSA PLAN TPA | Claims processing; Contract Administrator Service code 12 | — | $9K |
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 | 2,717 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | 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) | 2,742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA | 2,301 | $312K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 3,626 | $1.8M |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 3,626 | $1.8M |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 3,626 | $1.8M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 2,742 | $1.3M |
| Other | UNION SECURITY INSURANCE COMPANY | 3,626 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,626 | — |
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.