| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INS AGENCY | — | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $20K | $12K | $32K | 3.47% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGNECY, LLC | — | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $2K | $885 | $3K | 0.30% |
| PREVIOUS AGENCY3 | — | DELTA DENTAL OF KANSAS, INC. | $1K | — | $1K | 2.44% |
| SRA INSURANCE AGENCY LLC3 | — | DELTA DENTAL OF KANSAS, INC. | $123 | — | $123 | 0.23% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INS AGCY INC | 6363 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 18.33% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN ST 4TH FL KANSAS CITY, MO 64111 | HARTFORD LIFE AND ACCIDENT | $857 | — | $857 | 3.35% |
| PREVIOUS AGENCY3 | — | SURENCY LIFE AND HEALTH | $803 | — | $803 | 8.33% |
| SRA INSURANCE AGENCY LLC3 | — | SURENCY LIFE AND HEALTH | $161 | — | $161 | 1.67% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | KANAWHA INSURANCE COMPANY | $607 | — | $607 | 8.36% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INS AGY INC | 6363 COLLEGE BLVD #4 OVERLAND PARK, KS 66211 | KANAWHA INSURANCE COMPANY | $36 | — | $36 | 0.50% |
| BUKATY COMPANIES3 Filed as: BUKATY COMANIES INC | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | MANHATTAN LIFE | $387 | — | $387 | 8.12% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INS AGY | 6363 COLLEGE BLVD #4 OVERLAND PARK, KS 66211 | MANHATTAN LIFE | $22 | — | $22 | 0.46% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 118 | $909K |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 91 | $54K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 77 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 107 | $26K |
| Short-term disability(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 31 | $12K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 107 | $26K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 107 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.