| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $41K | $25K | $66K | 2.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02241 | ADVANTICA INSURANCE COMPANY | $4K | — | $4K | 9.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | DELTA DENTAL OF MISSOURI | $2K | — | $2K | 11.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | USABLE LIFE | $363 | — | $363 | 10.02% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KANSAS CI | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $217 | — | $217 | 5.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MISSOURI EIN 43-0908349 DENTAL ADIMINSTRATOR | Claims processing; Contract Administrator Service code 12 | 10221 E US 40 HIGHWAY INDEPENDENCE, MO 64055 | $20K |
| NOVAK BIRKS, P.C. EIN 43-1122456 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $12K |
| ZENITH ADMINSTRATORS, INC. EIN 52-1590516 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $8K |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 487 | $3.0M |
| Dental | DELTA DENTAL OF MISSOURI | 495 | $20K |
| Vision | ADVANTICA INSURANCE COMPANY | 496 | $36K |
| Life insurance | USABLE LIFE | 206 | $4K |
| Other | USABLE LIFE | 206 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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.