| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED BUSINESS SOLUTIONS3 | 520 W. PENNWAY STREET, SUITE LL KANSAS CITY, MO 64108 | BLUECROSS BLUESHIELD OF KANSAS CITY | $46K | — | $46K | 4.33% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | BLUECROSS BLUESHIELD OF KANSAS CITY | $15K | $4K | $20K | 1.87% |
| CONSOLIDATED BUSINESS SOLUTIONS3 | 520 W. PENNWAY STREET, SUITE LL KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| CONSOLIDATED BUSINESS SOLUTIONS3 | 520 W. PENNWAY STREET, SUITE LL KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.52% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $486 | — | $486 | 1.09% |
| CONSOLIDATED BUSINESS SOLUTIONS3 | 520 W. PENNWAY STREET, SUITE LL KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $993 | $5K | 17.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $230 | — | $230 | 0.83% |
| CONSOLIDATED BUSINESS SOLUTIONS3 | 520 W. PENNWAY STREET, SUITE LL KANSAS CITY, MO 64108 | EYEMED | $1K | — | $1K | 8.05% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | EYEMED | $125 | — | $125 | 0.73% |
| CONSOLIDATED BUSINESS SOLUTIONS3 | 520 W. PENNWAY STREET, SUITE LL KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $517 | $3K | 15.80% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $245 | — | $245 | 1.48% |
| CONSOLIDATED BUSINESS SOLUTIONS3 | 520 W PENNWAY STREET, SUITE LL KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $941 | $386 | $1K | 11.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $108 | — | $108 | 0.94% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 248 | $1.1M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 301 | $76K |
| Vision | EYEMED | 215 | $17K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 234 | $39K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 154 | $45K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 154 | $17K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 234 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.