| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | — | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $107K | $29K | $136K | 3.77% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 5201 JOHNSON DRIVE SUITE 500 MISSION, KS 66205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 10.00% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY, LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.21% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 5201 JOHNSON DRIVE SUITE 500 MISSION, KS 66205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.13% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | 8575 WEST 110TH STREET SUITE 320 OVERLAND PARK, KS 66210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 9.09% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY, LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.15% |
| CATHY LUCAS3 | 19955 RIGGS ROAD STILLWELL, KS 66085 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $847 | — | $847 | 13.72% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HARVARD RISK MANAGEMENT LLC | 201 NORTH FULLER STREET GALLATIN, MO 64640 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | — | $21 | 0.34% |
| CATHY LUCAS3 | 19955 RIGGS ROAD STILLWELL, KS 66085 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $381 | — | $381 | 24.60% |
| CATHY LUCAS3 | 19955 RIGGS ROAD STILLWELL, KS 66085 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $268 | — | $268 | 17.36% |
| CATHY LUCAS3 | 19955 RIGGS ROAD STILLWELL, KS 66085 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $182 | — | $182 | 16.35% |
| CATHY LUCAS3 | 19955 RIGGS ROAD STILLWELL, KS 66085 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $130 | — | $130 | 31.94% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 327 | $3.6M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 311 | $112K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $177K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $177K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $177K |
| Other(7 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.