| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY OVERLAND PARK, KS 66210 | BLUECROSS BLUESHIELD OF KANSAS | $79K | $0 | $79K | 2.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | DELTA DENTAL OF KANSAS, INC. | $16K | $0 | $16K | 6.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $4K | $13K | 8.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $128 | $12K | 16.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.12% |
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 | 674 | 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) | 674 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS | 863 | $3.9M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 491 | $261K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 718 | $58K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 674 | $156K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 529 | $70K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 674 | $156K |
| Prescription drug | BLUECROSS BLUESHIELD OF KANSAS | 863 | $3.9M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 674 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 863 | — |
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.