| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD LEAWOOD, KS 66211 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $18K | $26K | $44K | 0.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $13K | $19K | $32K | 0.71% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUECROSS BLUESHIELD OF KANSAS CITY | 2301 MAIN STREET KANSAS CITY, MO 64108 | UNUM | $0 | $10K | $10K | 4.22% |
| KENNETH SIGMAN3 | 903 EAST 104TH STREET SUITE 800 KANSAS CITY, MO 64131 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.67% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH AND BENEFIT SYSTEMS INC. | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.30% |
| BRIAN ROBERTS3 | 16150 MAIN CIRCLE DRIVE SUITE 400 CHESTERFIELD, MO 63017 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $137 | $15 | $152 | 0.27% |
| MARK HENRY RODDEN3 | 10975 BENSON DRIVE SUITE 350 OVERLAND PARK, KS 66210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $69 | $0 | $69 | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD LEAWOOD, KS 66211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $313 | $0 | $313 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM EIN 01-0278678 STD PLAN ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $8K |
| NAVIA BENEFIT SOLUTIONS, INC. EIN 91-1467758 FSA PLAN ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $5K |
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 | 463 | 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) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 372 | $4.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 366 | $296K |
| Vision | VISION SERVICE PLAN | 271 | $80K |
| Life insurance | UNUM | 463 | $229K |
| Long-term disability | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 157 | $56K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 372 | $4.5M |
| Other(3 contracts, 3 carriers) | UNUM | 463 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.
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.