| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $15K | $196 | $16K | 0.39% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $15K | $0 | $15K | 0.39% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.75% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $104 | $104 | 0.05% |
| BUKATY COMPANIES3 Filed as: THE BUKATY AGENCY INC | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | UNUM INSURANCE COMPANY | $6K | $590 | $6K | 11.81% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM INSURANCE COMPANY | $5K | $684 | $5K | 10.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TELUS HEALTH (US) LTD. EIN 52-1883918 EAP TPA | Contract Administrator Service code 13 | — | $16K |
| COMPSYCH EIN 35-3739783 TPA FEES | Contract Administrator Service code 13 | — | $0 |
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 | 597 | 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) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 428 | $4.0M |
| Dental | DELTA DENTAL OF MISSOURI | 428 | $201K |
| Vision | EYEMED VISION CARE | 562 | $40K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 597 | $222K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 597 | $222K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 597 | $222K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 428 | $4.0M |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 597 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.