| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN ST. MARYS, KS 66536 | BLUE CROSS BLUE SHIELD OF KANSAS | $74K | $0 | $74K | 3.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 203 NORTH LA SALLE STREET, FLOOR 20 CHICAGO, IL 60601 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $14K | $0 | $14K | 14.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOLUEVARD SUITE 200 METAIRIE, LA 70002 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 10333 EAST 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $970 | $0 | $970 | 1.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | UNKNOWN ST. MARYS, KS 66536 | SURENCY | $2K | $0 | $2K | 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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 284 | $2.4M |
| Dental | DELTA DENTAL OF KANSAS | 30 | $24K |
| Vision | SURENCY | 154 | $24K |
| Life insurance | RELIANCESTANDARD LIFE INSURANCE COMPANY | 312 | $94K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 284 | $2.4M |
| Other | RELIANCESTANDARD LIFE INSURANCE COMPANY | 312 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.