| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: SRA INSURNANCE AGENCY LLC | 4435 MAIN STREET KANSAS CITY, MO 64111 | UNITED HEALTHCARE INSURANCE COMPANY | — | $37K | $37K | 3.67% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SRA INSURANCE AGENCY LLC3 | 5201 JOHNSON DR STE 500 MISSION, KS 66205 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.95% |
| SRA INSURANCE AGENCY LLC3 | 5201 JOHNSON DR STE 500 MISSION, KS 66205 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $770 | — | $770 | 3.08% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN ST 4TH FLOOR KANSAS CITY, MO 64111 | HUMANA INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN ST KANSAS CITY, MO 64111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $64 | — | $64 | 2.51% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 303 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 170 | $111K |
| Vision | HUMANA INSURANCE COMPANY | 156 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 75 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $25K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.