| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS | 12980 METCALF AVE NO. 500 OVERLAND PARK, KS 66213 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $17K | $8K | $25K | 3.67% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS CITY | 920 MAIN ST SUITE 2100 KANSAS CITY, MO 64105 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $10K | $5K | $14K | 2.11% |
| BUKATY COMPANIES3 | 4601 COLLEGE BOULEVARD SUITE 100 LEAWOOD, KS 66211 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $2K | $1K | $3K | 0.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON OF TN | PO BOX 305025 NASHVILLE, TN 37230 | DELTA DENTAL OF MISSOURI | $3K | — | $3K | 4.74% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES, INC | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MISSOURI | $1K | $93 | $2K | 2.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 12.70% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 29982 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $902 | — | $902 | 8.34% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | VISION SERVICE PLAN | $180 | — | $180 | 1.66% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 142 | $673K |
| Dental | DELTA DENTAL OF MISSOURI | 218 | $60K |
| Vision | VISION SERVICE PLAN | 91 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $53K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.