| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WATKO BENEFIT GROUP3 Filed as: WATKO BENEFITS GROUP | 7301 W 129TH STREET STE 155 OVERLAND PARK, KS 66213 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $56K | — | $56K | 9.99% |
| WATKO BENEFIT GROUP3 Filed as: WATKO BENEFITS GROUP | 7301 W 129TH ST STE 155 OVERLAND PARK, KS 662132643 | EYE MED | $4K | — | $4K | 9.81% |
| WATKO BENEFIT GROUP3 Filed as: WATKO BENEFITS GROUP | 7301 W 129TH ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| WATKO BENEFIT GROUP3 Filed as: WATKO BENEFITS GROUP | 7301 W 129TH ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| WATKO BENEFIT GROUP3 Filed as: WATKO BENEFITS GROUP | 7301 W 129TH ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| WATKO BENEFIT GROUP3 Filed as: WATKO BENEFITS GROUP | 7301 W 129TH ST STE 155 OVERLAND PARK, KS 66213 | ADVANCE INSURANCE COMPANY OF KANSAS | $2K | — | $2K | 16.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 INSURANCE CARRIER | Insurance services Service code 23 | 1133 SW TOPEKA BLVD TOPEKA, KS 66629 | $198K |
| WATKO BENEFIT GROUP INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 7301 W. 129TH STREET, SUITE 155 OVERLAND PARK, KS 66213 | $56K |
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 | 430 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYE MED | 335 | $37K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $35K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF KANSAS | 430 | $561K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.