| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 | 3660 S GEYER RD #200 SAINT LOUIS, MO 63127 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $38K | $0 | $38K | 2.72% |
| SUNSTAR INSURANCE GROUP LLC3 | 200 EAST SOUTHAMPTON DR COLOMBIA, MO 65203 | GUARDIAN | $30K | $9K | $39K | 12.09% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES, LLC | 4601 COLLEGE BLVD LEAWOOD, KS 66211 #100 LEAWOOD, KS 66211 | GUARDIAN | $2K | $0 | $2K | 0.73% |
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 | 251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 181 | $1.4M |
| Dental | GUARDIAN | 251 | $320K |
| Vision | GUARDIAN | 251 | $320K |
| Life insurance | GUARDIAN | 251 | $320K |
| Short-term disability | GUARDIAN | 251 | $320K |
| Long-term disability | GUARDIAN | 251 | $320K |
| Other | GUARDIAN | 251 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.