| 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 | $22K | $11K | $32K | 3.59% |
| SRA INSURANCE AGENCY LLC3 | — | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 3.27% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 21.13% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY IN | 6363 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | HARTFORD LIFE AND ACCIDENT | $303 | — | $303 | 1.57% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 E GALBRAITH RD STE 500 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | — | $17 | $17 | 0.09% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | MANHATTANLIFE | $1K | — | $1K | 9.24% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY | 4435 MAIN ST 4TH FLOOR KANSAS CITY, MO 64111 | MANHATTANLIFE | $153 | — | $153 | 1.01% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD #4 OVERLAND PARK, KS 66211 | MANHATTANLIFE | $67 | — | $67 | 0.44% |
| SRA INSURANCE AGENCY LLC3 | — | SURENCY LIFE AND HEALTH | $988 | — | $988 | 10.00% |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 117 | $894K |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 88 | $55K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 77 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 90 | $19K |
| Short-term disability | MANHATTANLIFE | 26 | $15K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 90 | $19K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 90 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.