| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HERITAGE COMPANIES3 | 7926 E 171ST ST STE 100 BELTON, MO 64012 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $82K | $4K | $86K | 5.22% |
| ACRISURE LLC3 Filed as: ACRISURE HERITAGE INSURANCE AGENCY | 7926 E 171ST ST STE 100 BELTON, MO 64012 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | $1K | $23K | 12.29% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS AND BLUE SHIELD OF KC | ATTN BRIAN FALLEIN 2301 MAIN ST KANSAS CITY, MO 64108 | PRINCIPAL LIFE INSURANCE COMPANY | — | $9K | $9K | 4.63% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 3.70% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 3.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | — | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $6K | $819 | $6K | 5.79% |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 291 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 386 | $188K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 386 | $188K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 386 | $188K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 386 | $188K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 386 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.