| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 662111664 | UNITED HEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 4.10% |
| OCI INSURANCE AND FINANCIAL SERVICE3 | 4221 N 203RD ST STE 200 ELKHORN, NE 680223474 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 1.45% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 662111650 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 10.65% |
| ELLERBROCK-NORRIS FINANCIAL3 Filed as: ELLERBROCK-NORRIS AGENCY INC | 2203 OSBORNE DR W HASTINGS, NE 689019109 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.73% |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 73 | $857K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $121K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $121K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $121K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.