| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $31K | $90K | $121K | 4.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7015 COLLEGE BOULEVARD, SUITE 400 LEAWOOD, KS 66211 | ADVANTICA INSURANCE COMPANY | $4K | $90 | $4K | 10.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | USABLE LIFE | $367 | — | $367 | 10.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KC | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $220 | — | $220 | 5.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MISSOURI EIN 43-0908349 DENTAL ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $20K |
| NBPC EIN 43-1122456 ACCOUNTING | Accounting (including auditing) Service code 10 | — | $12K |
| ZENITH ADMINISTRATORS, INC. EIN 52-1590516 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $8K |
| ARNOLD, NEWBOLD, WINTER & JACKSON LEGAL FEES | Legal Service code 29 | 1100 MAIN ST, STE. 2001 KANSAS CITY, MO 64105 | $2K |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 477 | $3.0M |
| Vision | ADVANTICA INSURANCE COMPANY | 440 | $36K |
| Life insurance | USABLE LIFE | 193 | $4K |
| Other | USABLE LIFE | 193 | $4K |
| 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.