| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $0 | $93K | $93K | 5.05% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUECROSS BLUESHIELD KC | 2301 MAIN STREET KANSAS CITY, MO 64108 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 4.33% |
| TECHSOURCE INC3 Filed as: TECHSOURCE INC. | 9710 WEST 145TH TERRACE OVERLAND PARK, KS 66211 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.99% |
| BROKER SOURCE3 | 4601 COLLEGE BLVD LEAWOOD, KS 66211 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.97% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $146 | $146 | 0.08% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 8.26% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 197 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 224 | $178K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 224 | $178K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 224 | $178K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $76K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $76K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY | 197 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.