| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCKLENNAN AGENCY, LLC | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $67K | $15K | $82K | 4.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCKLENNAN AGENCY, LLC | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCKLENNAN AGENCY, LLC | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $8K | 19.96% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS AND BLUE SHIELD OF KANSA | 1133 SW TOPEKA BLVD TOPEKA, KS 66629 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.01% |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 277 | $1.8M |
| Dental | STANDARD INSURANCE COMPANY | 103 | $59K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $38K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.