| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | — | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $91K | — | $91K | 4.80% |
| SBG MIDWEST LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | — | $24K | 27.72% |
| RYAN BOWLING3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $8K | $14K | 16.68% |
| RON BOWLING3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $6K | $11K | 13.06% |
| TAMARA ANN BUSCHER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $698 | $5K | 6.29% |
| BRIDGET ZUNIGA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $665 | $4K | 4.53% |
| MAUREEN E CONRAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 3.24% |
| MARILYN B BOWLING3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 3.18% |
| TERRY ALLEN SMITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $229 | $3K | 2.97% |
| LAURA E BOWLING3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $69 | $2K | 2.10% |
| MICHAEL DONLEY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | $34 | $365 | 0.43% |
| ROBERT E ELLIS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $39 | $115 | 0.13% |
| JERRY A EDGAR3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $21 | $92 | 0.11% |
| CASSANDRA LONG3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $5 | $38 | 0.04% |
| CRISS BUTLER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $5 | $14 | 0.02% |
| GROUP BENEFITS LTD3 | — | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 9.58% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KANSAS CI | — | USABLE LIFE | $1K | — | $1K | 10.00% |
| GROUP BENEFITS LTD3 | — | USABLE LIFE | $845 | — | $845 | 6.00% |
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 | 132 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 338 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 255 | $79K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 255 | $79K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 255 | $178K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 157 | $85K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 166 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.