| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MED-PAY, INC.5 | — | KANSAS CITY LIFE INSURANCE COMPANY | $22K | $22K | $45K | 1791.63% |
| NATIONAL BILL AUDIT SERVICES0 | — | KANSAS CITY LIFE INSURANCE COMPANY | — | $6K | $6K | 225.24% |
| UNITED CLAIM SOLUTIONS5 | — | KANSAS CITY LIFE INSURANCE COMPANY | — | $5K | $5K | 210.83% |
| ELIXIR RX SOLUTIONS LLC5 | — | KANSAS CITY LIFE INSURANCE COMPANY | — | $415 | $415 | 16.71% |
| PREMIER HEALTHCARE EXCHANGE5 | — | KANSAS CITY LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ZELIS CLAIMS INTEGRITY INC5 | — | KANSAS CITY LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GREENWICH INSURANCE COMPANY | 119 | $201K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 119 | $2K |
| Prescription drug | GREENWICH INSURANCE COMPANY | 119 | $201K |
| Stop-loss / reinsurancereinsurance | GREENWICH INSURANCE COMPANY | 119 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.