| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY, LLC | 4435 MAIN ST 4TH FLOOR KANSAS CITY, MO 64111 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $47K | $10K | $57K | 3.30% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CAPITAL INC - SRA | N/A KANSAS CITY, MO 64111 | DELTA DENTAL OF MISSOURI | $7K | — | $7K | 6.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL OF MISSOURI | $563 | $592 | $1K | 1.08% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 15.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS, INC. | 2345 GRAND BOULEVARD STE 400 KANSAS CITY, MO 64108 | HARTFORD LIFE AND ACCIDENT | -$5 | -$1 | -$6 | -0.01% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | SURENCY LIFE AND HEALTH | $1K | — | $1K | 9.32% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 135 | $1.7M |
| Dental | DELTA DENTAL OF MISSOURI | 314 | $107K |
| Vision | SURENCY LIFE AND HEALTH | 90 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 169 | $77K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 169 | $77K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 189 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.