| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: BLUE CROSS BLUE SHIELD KC | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $5K | — | $5K | 6.00% |
| KEITH D MORRISON4 | STE 123 PMB 603 3370 N HAYDEN RD SCOTTSDALE, AZ 85251 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $6K | — | $6K | — |
No Schedule C service providers reported on this filing.
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 | 300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL INSURANCE COMPANY - ROUNDSTONE | 299 | $0 |
| Dental | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 265 | $156K |
| Long-term disability | USABLE LIFE | 282 | $83K |
| Other | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | 52 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.