| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | BLUECROSS BLUESHIELD OF KANSAS CITY | $129K | $125K | $254K | 2.89% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $3K | $29K | 11.21% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $2K | $22K | 11.22% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | VISION SERVICE PLAN | $12K | — | $12K | 9.88% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $1K | $10K | 11.22% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $588 | $5K | 11.23% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $956 | — | $956 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 6.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | RELIASTAR LIFE INSURANCE COMPANY | $15K | — | $15K | 100.00% |
| JOLENE G. OLSON4 Filed as: JOLENE G OLSON | 3505 N CAMERON STREET WICHITA, KS 67226 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $309 | — | $309 | 11.89% |
| HOLMES MURPHY & ASSOCIATES4 | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $176 | — | $176 | 6.77% |
| CATHY LUCAS4 | 8006 WEST 113TH TERRACE OVERLAND PARK, KS 66210 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $33 | — | $33 | 1.27% |
| THOMAS OWENS4 | P.O. BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $23 | — | $23 | 0.88% |
| JOHN F. ROWAN4 Filed as: JOHN F ROWAN | 538 LINDSEY LAKE ROAD DALLAS, GA 30157 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $11 | — | $11 | 0.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 ADMINISTRATOR | Contract Administrator Service code 13 | — | $42K |
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 | 1,064 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 1,431 | $8.8M |
| Dental | HUMANA INSURANCE COMPANY | 112 | $47K |
| Vision | VISION SERVICE PLAN | 991 | $123K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,417 | $85K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,301 | $261K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,301 | $197K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,417 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,431 | — |
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.