| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: GBS/HUB INTERNATIONAL MIDWEST | PO BOX 47567 WICHITA, KS 67201 | DELTA DENTAL OF KANSAS, INC. | $7K | — | $7K | 8.42% |
| AXA ASSISTANCE, USA3 Filed as: HUB INT'L MIDWEST LIMITED - AXA | HUB INTERNATIONAL GULF METAIRIE, LA 70002 | MONY LIFE INSURANCE COMPANY OF AMERICA | $924 | — | $924 | 16.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STEALTH PARTNER GROUP EIN 22-2311816 NONE | Claims processing Service code 12 | — | $464K |
| DELTA DENTAL OF KANSAS EIN 48-0793267 NONE | Claims processing Service code 12 | — | $83K |
| BENEFIT MANAGEMENT EIN 48-1168746 NONE | Claims processing Service code 12 | — | $51K |
| WPPA EIN 48-0959093 NONE | Claims processing Service code 12 | — | $16K |
| MONY LIFE INSURANCE COMPANY OF EIN 86-0222062 NONE | Claims processing Service code 12 | — | $6K |
| MEDWATCH EIN 16-1662117 NONE | Claims processing Service code 12 | — | $6K |
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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 218 | $83K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 234 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
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.