| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 4435 MAIN ST 4TH FLOOR KANSAS CITY, MO 64111 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $41K | $11K | $52K | 4.67% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 4435 MAIN ST 4TH FLOOR KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $17 | $7K | 5.07% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN ST 4TH FLOOR KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.47% |
| SRA INSURANCE AGENCY LLC3 | DBA INSURANCE AND BENEFITS GROUP PO BOX 191 SEDALIA, MO 65302 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.85% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | $426 | $2K | $2K | 1.78% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY, LLC | 4435 MAIN ST 4TH FLOOR KANSAS CITY, MO 64111 | VISION SERVICE PLAN | $948 | — | $948 | 6.12% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 222 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 222 | $1.1M |
| Vision | VISION SERVICE PLAN | 105 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $136K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $136K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $136K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.