| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY | 5201 JOHNSON DRIVE MISSION, KS 66205 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $47K | — | $47K | 4.88% |
| SRA INSURANCE AGENCY LLC3 | 5201 JOHNSON DRIVE SUITE 415 SHAWNEE MISSION, KS 66205 | SURENCY LIFE AND HEALTH | $2K | — | $2K | 6.00% |
| SRA INSURANCE AGENCY LLC3 | 5201 JOHNSON DRIVE SUITE 500 MISSION, KS 66205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| SRA INSURANCE AGENCY LLC3 | 5201 JOHNSON DRIVE SUITE 500 MISSION, KS 66205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.94% |
| SRA INSURANCE AGENCY LLC3 | 5201 JOHNSON DRIVE SUITE 500 MISSION, KS 66205 | SURENCY LIFE AND HEALTH | $652 | — | $652 | 6.00% |
| SRA INSURANCE AGENCY LLC3 | 5201 JOHNSON DRIVE SUITE 500 MISSION, KS 66205 | SURENCY LIFE AND HEALTH | $1K | — | $1K | 9.78% |
| SRA INSURANCE AGENCY LLC3 | 5201 JOHNSON DRIVE SUITE 500 MISSION, KS 66205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $678 | — | $678 | 11.00% |
| SRA INSURANCE AGENCY LLC3 | 5201 JOHNSON DRIVE SUITE 500 MISSION, KS 66205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $761 | — | $761 | 15.01% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 144 | $959K |
| Dental(2 contracts) | SURENCY LIFE AND HEALTH | 74 | $50K |
| Vision | SURENCY LIFE AND HEALTH | 87 | $11K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 196 | $37K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 196 | $24K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 32 | $5K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 196 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
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.