| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS LLC | 4435 MAIN ST 4TH FL KANSAS CITY, MO 64111 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $105K | — | $105K | 3.51% |
| SRA INSURANCE AGENCY LLC3 | 5201 JOHNSON DR STE 500 MISSION, KS 66205 | DELTA DENTAL OF KANSAS, INC. | $5K | — | $5K | 2.05% |
| ECK INC3 Filed as: ECK AGENCY | PO BOX 377 ATTICA, KS 67009 | CENTRAL UNITED LIFE INSURANCE COMPANY | $59K | — | $59K | 37.56% |
| LOUIS BARBER3 | 8592 CORDES CIRCLE GERMANTOWN, TN 38139 | CENTRAL UNITED LIFE INSURANCE COMPANY | $9K | — | $9K | 5.83% |
| WILDWOOD INSURANCE3 | 2474 TAYLOR RD WILDWOOD, MO 63040 | CENTRAL UNITED LIFE INSURANCE COMPANY | $211 | — | $211 | 0.13% |
| SRA INSURANCE AGENCY LLC3 | 4544 EAST CAMP LOWELL ROAD SUITE 110 TUCSON, AZ 85712 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.74% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $63 | $63 | 0.08% |
| SRA INSURANCE AGENCY LLC3 | 5201 JOHNSON DRIVE SUITE 500 MISSION, KS 66205 | VISION SERVICE PLAN | $2K | — | $2K | 3.24% |
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 | 475 | 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) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 861 | $3.2M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 394 | $248K |
| Vision | VISION SERVICE PLAN | 330 | $72K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 475 | $80K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 475 | $80K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 861 | $3.0M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 475 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 861 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.