| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $31K | $26K | $57K | 2.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | USABLE LIFE | $328 | — | $328 | 9.99% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KC | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $197 | — | $197 | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MISSOURI EIN 43-0908349 DENTAL ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $16K |
| NBPC EIN 43-1122456 ACCOUNTING | Accounting (including auditing) Service code 10 | — | $9K |
| ZENITH ADMINISTRATORS, INC. EIN 52-1590516 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $7K |
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 | 180 | 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. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 477 | $2.0M |
| Life insurance | USABLE LIFE | 179 | $3K |
| Other | USABLE LIFE | 179 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.