| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS | 12980 METCALF, SUITE 500 OVERLAND PARK, KS 66213 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $35K | $18K | $53K | 5.35% |
| TRUSS, LLC3 | 4551 W. 107TH STREET, SUITE 300 OVERLAND PARK, KS 662074037 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $3K | $848 | $4K | 0.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS | 5700 W. 112TH STREET, SUITE 100 OVERLAND PARK, KS 66211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 12.56% |
| TRUSS, LLC3 | 4551 W. 107TH STREET, SUITE 300 OVERLAND PARK, KS 662074037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.44% |
| TRUSS, LLC3 | 4551 W. 107TH STREET, SUITE 300 OVERLAND PARK, KS 662074037 | DELTA DENTAL OF KANSAS, INC. | $4K | — | $4K | 5.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS | 32059 COLLECTION CENTER DRIVE CHICAGO, IL 606930320 | VISION SERVICE PLAN | $1K | — | $1K | 8.33% |
| TRUSS, LLC3 | 4550 W. 109TH STREET, SUITE 300 OVERLAND PARK, KS 662111309 | VISION SERVICE PLAN | $266 | — | $266 | 1.67% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 177 | $994K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 126 | $77K |
| Vision | VISION SERVICE PLAN | 107 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $116K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $116K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $116K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
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.