| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 662111650 | METROPOLITAN LIFE INSURANCE COMPANY (LTD) | $14K | $3K | $17K | 19.56% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 662111650 | METROPOLITAN LIFE INSURANCE COMPANY (STD) | $35K | $2K | $37K | 46.26% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | METROPOLITAN LIFE INSURANCE COMPANY (LIFE/ADD) | $4K | $1K | $6K | 18.29% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | SUN LIFE ASSURANCE COMPANY OF CANADA (LTD) | — | $5K | $5K | 19.47% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | SUN LIFE ASSURANCE COMPANY OF CANADA (LIFE/ADD) | $5K | — | $5K | 48.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF KANSAS CITY EIN 43-1257251 PROVIDES CLAIMS ADMIN | Contract Administrator Service code 13 | ONE PERSHING SQUARE 2501 MAIN PO BOX 419169 KANSAS CITY, MO 641416169 | $374K |
| ELIXIR CRAFTED RX SOLUTIONS EIN 90-1011712 PROVIDES CLAIMS ADMIN | Claims processing Service code 12 | 7101 COLLEGE BLVD STE 1000 OVERLAND PARK, KS 66210 | $34K |
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 | 896 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 901 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUECROSS BLUESHIELD OF KANSAS CITY | 467 | $61K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY (LIFE/ADD) | 896 | $41K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY (STD) | 269 | $107K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY (LTD) | 982 | $114K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF KANSAS CITY | 679 | $457K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY (LIFE/ADD) | 896 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 982 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.