| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 101 S. HANLEY RD. SUITE 900 ST. LOUIS, MO 63105 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $55K | $35K | $89K | 3.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | — | $32K | 10.70% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $15K | $15K | 5.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $492 | $492 | 0.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 5700 W 112TH STREET STE 100 OVERLAND PARK, KS 66211 | DELTA DENTAL OF KANSAS, INC. | $10K | — | $10K | 4.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 32059 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $954 | — | $954 | 2.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 32059 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $380 | — | $380 | 1.09% |
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 | 393 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 299 | $2.9M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 273 | $216K |
| Vision | VISION SERVICE PLAN | 210 | $35K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 293 | $298K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 293 | $298K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 293 | $298K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 299 | $2.9M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 293 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.