| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $18K | $12K | $29K | 1.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $10K | $4K | $14K | 20.83% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS AND BLUE SHIELD OF KC | 2301 MAIN STREET KANSAS CITY, MO 64108 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $829 | $829 | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 NORTH LA SALLE DRIVE 17TH FLOOR CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $353 | $353 | 2.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $2K | $636 | $3K | 26.07% |
| TRUSS, LLC3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $268 | $0 | $268 | 16.58% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 297 | $1.6M |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 297 | $1.6M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 196 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 184 | $68K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 184 | $70K |
| Long-term disability | STANDARD INSURANCE COMPANY | 184 | $68K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 184 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
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.