| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $27K | $10K | $38K | 6.37% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET 4TH FLOOR KANSAS, MO 64111 | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 3.58% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $290 | — | $290 | 11.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA INC | 4544 EAST CAMP LOWELL DRIVE #110 TUCSON, AZ 85712 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $85 | — | $85 | 3.24% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $267 | — | $267 | 11.04% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA INC | 4544 E CAMP LOWELL DRIVE 110 TUCSON, AZ 85712 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $96 | — | $96 | 3.97% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 100 | $591K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 100 | $48K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $3K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.