| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $26K | — | $26K | 1.25% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $2K | $4K | $7K | 0.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF KANSAS, INC. | $8K | — | $8K | 7.24% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KANSAS, INC. | $792 | — | $792 | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE, SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE, SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $831 | $4K | 19.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 740659 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $2K | — | $2K | 9.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $151 | — | $151 | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE, SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $674 | $3K | 19.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE, SUITE 500 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $1K | $183 | $2K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE, SUITE 500 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $400 | $143 | $543 | 11.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE, SUITE 500 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $492 | $164 | $656 | 18.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTER, SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $315 | $30 | $345 | 38.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 12980 METCALF AVENUE, SUITE 500 OVERLAND PARK, KS 66213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.67% |
| MARSH & MCLENNAN AGENCY LLC4 | 2 MORRISSEY BOULEVARD DORCHESTER, MA 02125 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $77 | — | $77 | 16.96% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 297 | $2.1M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 187 | $115K |
| Vision | VISION SERVICE PLAN | 146 | $18K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $93K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $72K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $17K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 297 | $2.1M |
| Other(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.