| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ | 700 W 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $29K | $61K | $89K | 3.04% |
| 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 | $52K | $3K | $55K | 10.44% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 1.18% |
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 | 414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 652 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 254 | $218K |
| Vision | HUMANA INSURANCE COMPANY | 227 | $37K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 413 | $531K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 413 | $531K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 413 | $531K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 413 | $531K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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."
No prospect flags tripped on this filing.