| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSS, LLC3 | 4551 WEST 107TH STREET, SUITE 300 OVERLAND PARK, KS 66207 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $14K | $14K | $27K | 2.81% |
| WALLSTREET FINANCIAL GROUP INC3 Filed as: WALLSTREET FINANCIAL GROUP, INC. | 1530 RAX COURT JEFFERSON CITY, MO 65109 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $5K | $0 | $5K | 0.47% |
| TRUSS, LLC3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | USABLE LIFE | $2K | — | $2K | 8.38% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KS CITY | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $2K | $0 | $2K | 7.77% |
| WALLSTREET FINANCIAL GROUP INC3 Filed as: WALLSTREET FINANCIAL GROUP, INC. | 1530 RAX COURT JEFFERSON CITY, MO 65109 | USABLE LIFE | $1K | $0 | $1K | 3.83% |
| POWER GROUP COMPANY LLC3 Filed as: POWER GROUP COMPANY | 4550 WEST 109TH STREET, SUITE 300 OVERLAND PARK, KS 66211 | VCP SERVICES, INC. - MISSOURI | $1K | $0 | $1K | 5.79% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS, LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | VCP SERVICES, INC. - MISSOURI | $864 | $0 | $864 | 4.18% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 172 | $966K |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 172 | $966K |
| Vision | VCP SERVICES, INC. - MISSOURI | 169 | $21K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 281 | $28K |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 281 | $28K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 172 | $966K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 281 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.