| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $92K | $17K | $108K | 4.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | DELTA DENTAL OF MISSOURI | $10K | $171 | $10K | 13.62% |
| MARSH & MCLENNAN AGENCY LLC3 | — | STANDARD INSURANCE COMPANY | $3K | $428 | $3K | 6.71% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | — | $803 | $803 | 1.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC - HAAKE DIVISION | MARSH MCLENNEN AGENCY 7015 COLLEGE BLVD, #400 OVERLAND PARK, KS 66211 | ADVANTICA INSURANCE COMPANY | $880 | — | $880 | 9.12% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 258 | $2.3M |
| Dental | DELTA DENTAL OF MISSOURI | 226 | $73K |
| Vision | ADVANTICA INSURANCE COMPANY | 174 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 192 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.