| 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. | $8K | — | $8K | 7.89% |
| AXA ASSISTANCE, USA3 Filed as: HUB INT'L MIDWEST LIMITED - AXA | HUB INTERNATIONAL GULF METAIRIE, LA 70002 | MONY LIFE INSURANCE COMPANY OF AMERICA | $947 | — | $947 | 13.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT MANAGEMENT EIN 48-1168746 NONE | Claims processing Service code 12 | — | $69K |
| WPPA EIN 48-0959093 NONE | Claims processing Service code 12 | — | $16K |
| MEDWATCH EIN 16-1662117 NONE | Claims processing Service code 12 | — | $7K |
| MONY LIFE INSURANCE COMPANY OF EIN 86-0222062 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 | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 217 | $95K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 252 | $7K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 220 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.