| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SRA INSURANCE AGENCY LLC3 | — | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 3.15% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 17.86% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY IN | 903 E 104TH ST STE 800 KANSAS CITY, MO 64131 | HARTFORD LIFE AND ACCIDENT | $373 | — | $373 | 1.11% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BLVD SUITE 100 LEAWOOD, KS 66211 | MANHATTANLIFE | $1K | — | $1K | 7.90% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY | 4435 MAIN ST 4TH FLOOR KANSAS CITY, MO 64111 | MANHATTANLIFE | $366 | — | $366 | 2.76% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD #4 OVERLAND PARK, KS 66211 | MANHATTANLIFE | $9 | — | $9 | 0.07% |
| SRA INSURANCE AGENCY LLC3 | — | SURENCY LIFE AND HEALTH | $1K | — | $1K | 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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 104 | $62K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 86 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 143 | $33K |
| Short-term disability | MANHATTANLIFE | 24 | $13K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 143 | $33K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 143 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.