| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY | 5201 JOHNSON DRIVE MISSION, KS 66205 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $107K | $42K | $149K | 3.70% |
| SRA INSURANCE AGENCY LLC3 | 4544 EAST CAMP LOWELL ROAD SUITE 110 TUCSON, AZ 85712 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $13K | $24K | 9.13% |
| SRA INSURANCE AGENCY LLC3 | 5201 JOHNSON DRIVE SUITE 500 MISSION, KS 66205 | SURENCY LIFE AND HEALTH | $5K | — | $5K | 9.98% |
| CATHY J. LUCAS3 Filed as: CATHY J LUCAS | 8006 WEST 113TH TERRACE OVERLAND PARK, KS 66210 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $194 | — | $194 | 30.12% |
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 | 579 | 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) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SURENCY LIFE AND HEALTH | 292 | $53K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 599 | $262K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 599 | $262K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 599 | $262K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 454 | $4.0M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 599 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 599 | — |
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.