| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PKWY STE 195 OVERLAND PARK, KS 66210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57K | — | $57K | 10.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BLVD, SUITE 400 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $11K | $11K | 2.01% |
| CORESOURCE, INC.3 | 5200 77 CENTER DR, SUITE 400 CHARLOTTE, NC 28217 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $10K | $10K | 1.86% |
| CORESOURCE, INC.3 | 26-28 W KING ST LANCASTER, PA 17603 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PKWY STE 195 OVERLAND PARK, KS 66210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 13.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BLVD, SUITE 400 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 1.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PKWY STE 195 OVERLAND PARK, KS 66210 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 14.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE EIN 35-1846036 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $111K |
| AETNA - PPO EIN 06-6033492 NONE | Claims processing; Other services Service code 12 | — | $99K |
| MEDTRAK EIN 36-4221427 NONE | Claims processing Service code 12 | 7101 COLLEGE BLVD, STE 1000 OVERLAND PARK, KS 66210 | $20K |
| CLEAR HEALTH STRATEGIES EIN 27-1374374 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $16K |
| GALLAGHER BENEFIT SERVICES, LLC EIN 36-4291971 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $11K |
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 | 553 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 451 | $0 |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 553 | $153K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 553 | $153K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 553 | $153K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 487 | $559K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 553 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.