| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WATKO BENEFIT GROUP3 | 7301 W 129TH ST., STE 155 OVERLAND PARK, KS 662132643 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $23K | $3K | $25K | 1.57% |
| WATKO BENEFIT GROUP3 | 7301 W 129TH #155 OVERLAND PARK, KS 66213 | DELTA DENTAL OF MISSOURI | $4K | $143 | $4K | 5.90% |
| ROBERT GREG WATKINS3 | WATKO BENEFIT GROUP 7301 W 129TH ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $276 | $4K | 12.95% |
| ROBERT GREG WATKINS3 | WATKO BENEFIT GROUP 7301 WEST 129TH ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $205 | $3K | 13.00% |
| WATKO BENEFIT GROUP3 Filed as: WATKO BENEFITS GROUP - 000 | 7301 W 129TH ST STE 155 OVERLAND PARK, KS 662132643 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.40% |
| ROBERT GREG WATKINS3 | WATKO BENEFIT GROUP 7301 W 129TH ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $127 | $2K | 13.08% |
| ROBERT GREG WATKINS3 | WATKO BENEFIT GROUP 7301 W 129TH ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $104 | $1K | 12.99% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 101 | $1.6M |
| Dental | DELTA DENTAL OF MISSOURI | 180 | $68K |
| Vision | HUMANA INSURANCE COMPANY | 86 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $21K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
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.