| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 Filed as: BUKATY AGENCY INC | 4601 COLLEGE BOULEVARD LEAWOOD, KS 66211 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 4.92% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BOULEVARD SUITE 100 LEAWOOD, KS 66211 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 10.00% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BOULEVARD SUITE 100 LEAWOOD, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $3K | $4K | 42.18% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BOULEVARD SUITE 100 LEAWOOD, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $566 | $1K | $2K | 42.23% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BOULEVARD SUITE 100 LEAWOOD, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $682 | $1K | $2K | 49.85% |
| BUKATY COMPANIES3 Filed as: MICHAEL BUKATY - BOR | 4601 COLLEGE BOULEVARD SUITE 100 LEAWOOD, KS 66211 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $198 | — | $198 | 9.72% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BOULEVARD SUITE 100 LEAWOOD, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $78 | $214 | $292 | 37.24% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 183 | $267K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 111 | $12K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 145 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $4K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $4K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.