| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | UNION SECURITY INSURANCE COMPANY | $370K | $0 | $370K | 18.70% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $45K | $69K | $114K | 8.63% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $9K | $0 | $9K | 0.66% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | HUMANA | $6K | $7K | $13K | 4.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHILD OF SC EIN 57-0287419 MEDICAL PLAN TPA | Claims processing; Contract Administrator Service code 12 | — | $1.9M |
| DELTA DENTAL OF KANSAS EIN 48-0793267 DENTAL PLAN TPA | Claims processing; Contract Administrator Service code 12 | — | $79K |
| UMB, N.A. EIN 44-0194180 HSA PLAN TPA | Claims processing; Contract Administrator Service code 12 | — | $35K |
| NUESYNERGY EIN 46-0553674 FSA PLAN TPA | Contract Administrator; Claims processing 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 | 2,907 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA | 2,448 | $292K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 3,635 | $2.0M |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 3,635 | $2.0M |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 3,635 | $2.0M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 2,923 | $1.3M |
| Other | UNION SECURITY INSURANCE COMPANY | 3,635 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,635 | — |
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.