| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 4435 MAIN ST 4TH FLOOR KANSAS CITY, MO 64111 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $50K | $11K | $61K | 3.43% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MO | 4435 MAIN ST 4TH FL KANSAS CITY, MO 64111 | DELTA DENTAL OF KANSAS | $6K | — | $6K | 6.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $11K | $1K | $12K | 16.41% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | SURENCY LIFE AND HEALTH | $2K | — | $2K | 9.86% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 120 | $1.8M |
| Dental | DELTA DENTAL OF KANSAS | 121 | $101K |
| Vision | SURENCY LIFE AND HEALTH | 95 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 146 | $75K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 146 | $75K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 146 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.