| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | UNION SECURITY INSURANCE COMPANY (TEMP) | — | $9K | $9K | 8.07% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | UNION SECURITY INSURANCE COMPANY (LTD) | $16K | $6K | $22K | 27.16% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | UNION SECURITY INSURANCE COMPANY (VISION) | $8K | $6K | $14K | 18.11% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | UNION SECURITY INSURANCE COMPANY (GTL/ADD) | — | $3K | $3K | 8.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD SO. CAROLINA EIN 57-0287419 PROVIDES CLAIMS ADMIN | Contract Administrator Service code 13 | ONE PERSHING SQUARE 2501 MAIN PO BOX 419169 KANSAS CITY, MO 641416169 | $510K |
| MEDTRAK SERVICES, LLC EIN 36-4221427 PROVIDES CLAIMS ADMIN | Claims processing Service code 12 | 7101 COLLEGE BLVD STE 1000 OVERLAND PARK, KS 66210 | $38K |
| DELTA DENTAL OF KANSAS EIN 48-0793267 PROVIDES CLAIMS ADMIN | Contract Administrator Service code 13 | 1619 N WATERFRONT PARKWAY PO BOX 789769 WICHITA, KS 67278 | $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 | 884 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNION SECURITY INSURANCE COMPANY (VISION) | 456 | $76K |
| Life insurance | UNION SECURITY INSURANCE COMPANY (GTL/ADD) | 889 | $40K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY (TEMP) | 281 | $112K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY (LTD) | 318 | $80K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 701 | $329K |
| Other | UNION SECURITY INSURANCE COMPANY (GTL/ADD) | 889 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 889 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.