| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS | 5700 W 112TH ST STE 100 OVERLAND PARK, KS 66211 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $33K | $38K | $71K | 2.12% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS AND BROKERS* | POST OFFICE BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34K | $3K | $37K | 16.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 5700 W 112TH ST STE 100 OVERLAND PARK, KS 66213 | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 1.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 5700 W 112TH ST STE 100 OVERLAND PARK, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 9.59% |
| ASCENTIS5 | 11995 SINGLETREE LN STE 400 EDEN PRAIRIE, MN 55344 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 7.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 5700 W 112TH ST STE 100 OVERLAND PARK, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.81% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 160 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 288 | $3.3M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 289 | $161K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 344 | $111K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 187 | $228K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 344 | $111K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 344 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.