| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ | 11440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $21K | $42K | $63K | 3.14% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | 6300 W. 143RD STREET SUITE 200 OVERLAND PARK, KS 66223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $9K | $41K | 12.56% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 4.95% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC. | 6050 OAK TREE BOULEVARD SUITE 500 INDEPENDENCE, OH 44131 | HUMANADENTAL INSURANCE COMPANY | $3K | $79 | $3K | 13.47% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC. | 11221 ROE AVENUE SUITE 200 LEAWOOD, KS 66211 | HUMANADENTAL INSURANCE COMPANY | $180 | $586 | $766 | 3.49% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 357 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 153 | $134K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 136 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $330K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $330K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $330K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
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.