| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $40K | $147K | $187K | 1.87% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $16K | $24K | 3.61% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 2.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | DELTA DENTAL OF MISSOURI | $0 | $0 | $0 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $9K | $14K | 8.84% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 6.45% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $893 | $893 | 2.00% |
| PATRICK RUHLE3 Filed as: PATRICK WHITAKER | 1276 LINCOLN AVENUE SUITE 202 SAN JOSE, CA 95125 | KAISER FOUNDATION HEALTH PLAN, INC. | $832 | $0 | $832 | 3.33% |
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 | 823 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 844 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 1,286 | $10.0M |
| Dental | DELTA DENTAL OF MISSOURI | 1,172 | $492K |
| Vision | HUMANA INSURANCE COMPANY | 527 | $79K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 768 | $45K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 361 | $154K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 822 | $667K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 768 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,286 | — |
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.