| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 9200 WARD PKWY, SUITE 500 KANSAS CITY, MO 64114 | VCP SERVICES, INC | $854 | — | $854 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 CLAIMS PROCESSING | Claims processing; Contract Administrator; Actuarial; Direct payment from the plan; Other insurance fees and expenses; Accounting (including auditing); Plan Administrator; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 10 | — | $63K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $2K |
| DIGITAL INSURANCE LLC INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | $71 |
| HUB INTERNATIONAL MIDWEST LIMITED INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 9200 WARD PARKWAY, STE. 500 KANSAS CITY, MO 64114 | $6 |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VCP SERVICES, INC | 73 | $9K |
| Life insurance | ADVANCE INSURANCE COMPANY OF KANSAS | 140 | $55K |
| Long-term disability | ADVANCE INSURANCE COMPANY OF KANSAS | 140 | $55K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF KANSAS | 188 | $357K |
| Other(2 contracts, 2 carriers) | ADVANCE INSURANCE COMPANY OF KANSAS | 140 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.