| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES, LLC | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $3K | $15K | 31.97% |
| EVERENCE ASSOCIATION INC3 Filed as: EVERENCE ASSOCIATION, INC | 1110 NORTH MAIN STREET PO BOX 483 GOSHEN, IN 46527 | MADISON NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.33% |
| BURT ADVISORY GROUP3 Filed as: BURT ADVISORY GROUP, INC | 307 S MAIN STREET SUITE 302 ELKHART, IN 46516 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 7.06% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.00% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD, STE 100 LEAWOOD, KS 662111664 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $112 | — | $112 | 0.50% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 121 | $22K |
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 147 | $45K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 147 | $45K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 147 | $45K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 147 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.