| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | — | $80 | $80 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREFERRED HEALTH PROFESSIONALS EIN 43-1392960 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $112K |
| SHERRY COOK EIN 44-0545275 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $85K |
| LINDA L. VANDEVOORDE EIN 44-0545275 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $51K |
| DARLENE GUESS EIN 44-0545275 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $31K |
| SAINT LUKE'S HOSPITAL EIN 44-0545297 EAP PROVIDER | Other services Service code 49 | — | $19K |
| CHANGE HEALTHCARE SOLUTIONS, LLC EIN 20-5716594 POSTAGE, TECHNOLOGY SRVCS | Other services; Other fees Service code 49 | — | $15K |
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $10K |
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 | 1,082 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 1,523 | $8.5M |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 2,369 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,369 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.