| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY, LLC | — | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $107K | $35K | $142K | 3.60% |
| SRA INSURANCE AGENCY LLC3 | 5201 JOHNSON DRIVE SUITE 500 MISSION, KS 66205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $9K | $33K | 13.97% |
| SRA INSURANCE AGENCY LLC3 | 5201 JOHNSON DRIVE SUITE 500 MISSION, KS 66205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $8K | $23K | 18.28% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LL | 8575 WEST 110TH STREET SUITE 320 OVERLAND PARK, KS 66210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 12.64% |
| CATHY LUCAS3 | 8006 WEST 113TH TERRACE OVERLAND PARK, KS 66210 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $583 | — | $583 | 24.24% |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 385 | $3.9M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $124K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 501 | $236K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 501 | $236K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 501 | $236K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 501 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.