| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD LEAWOOD, KS 66211 | UNITED OF OMAHA | $688K | $115K | $803K | 22.46% |
| PLANSOURCE BEN ADMINISTRATION INC5 Filed as: PLANSOURCE BEN ADMINISTRATION | P O BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA | $0 | $154K | $154K | 4.30% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA | $0 | $61K | $61K | 1.71% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD LEAWOOD, KS 66211 | HUMANA | $37K | $5K | $42K | 11.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF S.C. EIN 57-0287419 MEDICAL PLAN TPA | Contract Administrator; Claims processing Service code 12 | — | $2.1M |
| BUKATY COMPANIES EIN 48-1224371 AGENT/BROKER | Insurance agents and brokers Service code 22 | — | $135K |
| DELTA DENTAL OF KANSAS EIN 48-0793267 DENTAL PLAN ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $99K |
| PLANSOURCE EIN 59-3707284 COBRA PLAN ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $40K |
| UMB N.A. EIN 44-0194180 HSA PLAN ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $38K |
| NUESYNERGY EIN 46-0553674 FSA PLAN ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $16K |
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 | 3,530 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA | 3,096 | $382K |
| Life insurance | UNITED OF OMAHA | 4,457 | $3.6M |
| Short-term disability | UNITED OF OMAHA | 4,457 | $3.6M |
| Long-term disability | UNITED OF OMAHA | 4,457 | $3.6M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNITED OF OMAHA | 4,457 | $5.0M |
| Other | UNITED OF OMAHA | 4,457 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,457 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.