| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH -WILLIS OF GREATER KANSAS, INC. | 12980 METCALF AVE., SUITE 500 OVERLAND PARK, KS 662132652 | UNITED HEALTHCARE INSURANCE COMPANY | $82K | — | $82K | 4.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 5700 W 112TH ST OVERLAND PARK, KS 66211 | DELTA DENTAL PLAN OF KANSAS, INC. | $4K | — | $4K | 5.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD | $4K | — | $4K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD | $2K | — | $2K | 15.00% |
| DIRECT BENEFITS INC3 | 325 CEDAR ST, SUITE 800 ST PAUL, MN 551011012 | RELIANCE STANDARD | $7 | $8 | $15 | 10.34% |
| MICHAEL J MCGUIRE3 | 7800 METRO PARKWAY #300 BLOOMINGTON, MN 55425 | RELIANCE STANDARD | $14 | — | $14 | 9.66% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 400 | $1.8M |
| Dental | DELTA DENTAL PLAN OF KANSAS, INC. | 221 | $71K |
| Life insurance(2 contracts) | RELIANCE STANDARD | 337 | $24K |
| Long-term disability | RELIANCE STANDARD | 61 | $16K |
| Other | RELIANCE STANDARD | 337 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.