| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KBA INSURANCE INC3 Filed as: KBA INSURANCE, INC. | 610 SW CORPORATE VIEW TOPEKA, KS 66614 | VISION SERVICE PLAN | $6K | — | $6K | 1.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $3.4M |
| KANSAS BANKERS ASSOCIATION EIN 48-0937602 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $660K |
| TRIA HEALTH NONE | Direct payment from the plan; Contract Administrator Service code 13 | 7101 COLLEGE BLVD. #600 OVERLAND PARK, KS 66210 | $259K |
| WILLIS OF GREATER KANSAS CITY, INC. NONE | Consulting fees; Direct payment from the plan Service code 50 | 12980 METCALF AVENUE, SUITE 500 OVERLAND PARK, KS 66213 | $135K |
| IOWA BANKERS ASSOCIATION EIN 42-0984998 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $64K |
| FORVIS MAZARS, LLP EIN 44-0160260 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $21K |
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 | 10,475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,754 | $390K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 11,160 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,160 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.