| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 6300 WEST 143RD STREET, SUITE 200 OVERLAND PARK, KS 66223 | BLUECROSS BLUESHIELD OF KANSAS CITY | $15K | $41K | $56K | 1.05% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF KANSAS CITY | $11K | $39K | $49K | 0.93% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 3.26% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 1.03% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 0.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 ADMINISTRATOR | Contract Administrator Service code 13 | — | $12K |
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 | 745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 750 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 1,272 | $5.3M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 598 | $414K |
| Vision | VISION SERVICE PLAN | 961 | $103K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,812 | $328K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,812 | $328K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,812 | $328K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,812 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,812 | — |
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.