| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKER NOT PROVIDED3 Filed as: BROKER NOT LISTED | — | DELTA DENTAL OF KANSAS | $41K | — | $41K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | NEW YORK LIFE GROUP BENEFITS SOLUTIONS | $25K | $8K | $33K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | NEW YORK LIFE GROUP BENEFITS SOLUTIONS | $26K | $6K | $32K | 16.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | NEW YORK LIFE GROUP BENEFITS SOLUTIONS | $17K | $5K | $22K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLE BLVD STE 400 OVERLAND PARK, KS 66211 | VISION SERVICE PLAN | $9K | — | $9K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | NEW YORK LIFE GROUP BENEFITS SOLUTIONS | $3K | $787 | $4K | 14.71% |
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 | 631 | 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) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 1,319 | $0 |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS | 617 | $418K |
| Vision | VISION SERVICE PLAN | 558 | $86K |
| Life insurance | NEW YORK LIFE GROUP BENEFITS SOLUTIONS | 1,351 | $188K |
| Short-term disability | NEW YORK LIFE GROUP BENEFITS SOLUTIONS | 617 | $173K |
| Long-term disability | NEW YORK LIFE GROUP BENEFITS SOLUTIONS | 586 | $254K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,351 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,351 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.