| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF KANSAS CITY | $24K | $88K | $112K | 2.91% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 7.32% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BOULEVARD, SUITE 210 LEAWOOD, KS 66211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA(CCM KC, LLC 99-1083443) | $325 | $84 | $409 | 22.02% |
| BROKER SOURCE3 | 4601 COLLEGE BOULEVARD, SUITE 210 LEAWOOD, KS 66211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA(CCM KC, LLC 99-1083443) | -$46 | — | -$46 | -2.48% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, LLC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $156 | $156 | 20.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MISSOURI EIN 43-0908349 DENTAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $24K |
| RELIASTAR LIFE INSURANCE COMPANY EIN 41-0451140 ADMINISTRATOR | Contract Administrator Service code 13 | — | $7K |
| TELUS HEALTH (US) LTD. EIN 52-1883918 ADMINISTRATOR | Contract Administrator Service code 13 | — | $5K |
| TABEN, LC EIN 48-1197135 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $3K |
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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 529 | $3.9M |
| Vision | VISION SERVICE PLAN | 229 | $42K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 476 | $226K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 476 | $226K |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 476 | $228K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 476 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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.