| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 | 11221 ROE AVENUE LEAWOOD, KS 66211 | BLUECROSS BLUESHIELD OF KANSAS CITY | $37K | $13K | $51K | 3.10% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD OVERLAND PARK, KS 66211 | BLUECROSS BLUESHIELD OF KANSAS CITY | $25K | $7K | $32K | 1.94% |
| BUKATY COMPANIES3 | 11221 ROE AVENUE LEAWOOD, KS 66211 | DELTA DENTAL OF MISSOURI | $6K | $0 | $6K | 4.63% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD OVERLAND PARK, KS 66211 | DELTA DENTAL OF MISSOURI | $4K | $637 | $4K | 3.11% |
| BUKATY COMPANIES3 | 11221 ROE AVENUE LEAWOOD, KS 66211 | SUN LIFE ASSURANCE COMPANY | $6K | $0 | $6K | 7.62% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD SUITE 400 OVERLAND PARK, KS 66211 | SUN LIFE ASSURANCE COMPANY | $2K | $0 | $2K | 2.38% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 636 COLLEGE BLVD SUITE 400 OVERLAND PARK, KS 66211 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $603 | $0 | $603 | 2.51% |
| BUKATY COMPANIES3 | 11221 ROE AVENUE LEAWOOD, KS 66211 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $603 | $0 | $603 | 2.51% |
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 | 187 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 187 | $1.6M |
| Dental | DELTA DENTAL OF MISSOURI | 181 | $139K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 176 | $24K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY | 233 | $72K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY | 233 | $72K |
| Prescription drug | BLUECROSS BLUESHIELD OF KANSAS CITY | 187 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.