| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 5700 WEST 112TH STREET, SUITE 100 OVERLAND PARK, KS 66211 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $46K | $104K | $150K | 1.26% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $9K | $22K | $31K | 0.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 5700 WEST 112TH STREET, SUITE 100 OVERLAND PARK, KS 66211 | DELTA DENTAL OF KANSAS, INC. | $31K | — | $31K | 4.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KANSAS, INC. | $7K | — | $7K | 0.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | — | $27K | 10.50% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | 6710 WEST 121ST STREET, SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 1.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 0.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 32059 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $2K | — | $2K | 1.70% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $2K | — | $2K | 1.48% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET BUFFALO, NY 14204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $770 | $770 | 0.60% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | 6710 WEST 121ST STREET, SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.38% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET BUFFALO, NY 14204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | -$601 | -$601 | -0.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $453 | $453 | 1.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | 6710 WEST 121ST STREET, SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $958 | $958 | $2K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $116 | $116 | 1.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $811 | — | $811 | 14.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $562 | $562 | 10.39% |
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 | 1,144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 101 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 1,974 | $11.9M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 1,117 | $778K |
| Vision | VISION SERVICE PLAN | 906 | $139K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 768 | $260K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 605 | $141K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 742 | $128K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 1,974 | $11.9M |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 768 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,974 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.