| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC. | 4601 COLLEGE BOULEVARD SUITE 100 LEAWOOD, KS 66211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $37K | $37K | 2.32% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC. | 4601 COLLEGE BOULEVARD SUITE 100 LEAWOOD, KS 66211 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 3.22% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC. | 4601 COLLEGE BOULEVARD SUITE 100 LEAWOOD, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $89 | $1K | 4.81% |
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 | 255 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 216 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $158K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $158K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $27K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 216 | $1.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.