| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 11440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $9K | $4K | $13K | 6.95% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KC | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $3K | — | $3K | 13.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $2K | — | $2K | 12.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH ST, STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $2K | — | $2K | 10.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KC | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $1K | — | $1K | 6.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH ST, STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $899 | — | $899 | 10.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KC | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $539 | — | $539 | 6.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KC | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $130 | — | $130 | 13.05% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $120 | — | $120 | 12.05% |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 521 | $185K |
| Life insurance(2 contracts) | USABLE LIFE | 345 | $29K |
| Short-term disability | USABLE LIFE | 372 | $19K |
| Other(2 contracts) | USABLE LIFE | 345 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.