| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $73K | $52K | $125K | 2.57% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BLVD LEAWOOD, KS 66211 | THE PRUDENTIAL ISNRUANCE COMPANY OF AMERICA | $2K | — | $2K | 1.20% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL ISNRUANCE COMPANY OF AMERICA | $0 | $130 | $130 | 0.07% |
| BUKATY COMPANIES3 Filed as: THE BUKATY AGENCY INC | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | UNUM INSURANCE COMPANY | $11K | $1K | $13K | 20.72% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM INSURANCE COMPANY | $3K | $267 | $3K | 4.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 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 | 623 | 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) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 444 | $4.9M |
| Dental | DELTA DENTAL OF KANSAS | 445 | $208K |
| Vision | EYEMED VISION CARE | 337 | $45K |
| Life insurance | THE PRUDENTIAL ISNRUANCE COMPANY OF AMERICA | 623 | $189K |
| Short-term disability | THE PRUDENTIAL ISNRUANCE COMPANY OF AMERICA | 623 | $189K |
| Long-term disability | THE PRUDENTIAL ISNRUANCE COMPANY OF AMERICA | 623 | $189K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 444 | $4.9M |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL ISNRUANCE COMPANY OF AMERICA | 623 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.