| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WATKO BENEFIT GROUP3 | 11101 SWITZER ROAD SUITE 200 OVERLAND PARK, KS 66210 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $96K | — | $96K | 9.36% |
| WATKO BENEFIT GROUP3 | 11101 SWITZER ROAD SUITE 200 OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 7.67% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 6802 PARAGON PL STE 200 RICHMOND, VA 23230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 5.77% |
| DIGITAL INSURANCE LLC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $448 | $5K | 5.65% |
| LELAND SCOTT BURKHART3 | 4828 MCCORMICK ST LAWRENCE, KS 66047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $596 | $4K | 4.01% |
| MARILYN B BOWLING3 | 19204 W 102ND ST LENEXA, KS 66220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $817 | $3K | 2.83% |
| RON BOWLING3 | 8575 W 110TH ST SUITE 210 OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $375 | $3K | 2.70% |
| LONNIE SCHULTZ3 | 12631 NEWTON ST OVERLAND PARK, KS 66213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $230 | $2K | 2.12% |
| TAMARA ANN BUSCHER3 | 1318 S WINTERBROOKE DR OLATHE, KS 66062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $548 | $40 | $588 | 0.62% |
| BRIDGET ZUNIGA3 | 14608 W 62ND ST SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | $53 | $352 | 0.37% |
| JAMES MOORE3 | 2007 SW MEYER BLVD BLUE SPRINGS, MO 64015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.06% |
| JANELLE MARIE WOHLETZ3 | 389 HWY 20 WEST DENTON, KS 66017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RYAN BOWLING3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.05% |
| ROBERT GREG WATKINS3 | WATKO BENEFIT GROUP 11101 SWITZER ROAD SUITE 200 OVERLAND PARK, KS 66210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.52% |
| NATIONAL ENROLLMENT PARTNERS LLC5 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 6802 PARAGON PL SUITE 200 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| ROBERT GREG WATKINS3 | WATKO BENEFIT GROUP 11101 SWITZER ROAD SUITE 200 OVERLAND PARK, KS 66210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| WATKO BENEFIT GROUP3 | 11101 SWITZER ROAD SUITE 200 OVERLAND PARK, KS 66210 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.91% |
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 | 491 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 434 | $1.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 491 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $72K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 152 | $167K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF KANSAS | 434 | $1.0M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 152 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.