| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS LLC | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $79K | — | $79K | 1.76% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 4.75% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.65% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.44% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $208 | $208 | 0.07% |
| ECK INC3 Filed as: ECK AGENCY | PO BOX 377 ATTICA, KS 67009 | CENTRAL UNITED LIFE INSURANCE COMPANY | $52K | — | $52K | 30.22% |
| LOUIS BARBER3 | 8592 CORDES CIRCLE GERMANTOWN, TN 38139 | CENTRAL UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 4.90% |
| WILDWOOD INSURANCE3 | 2474 TAYLOR RD WILDWOOD, MO 63040 | CENTRAL UNITED LIFE INSURANCE COMPANY | $198 | — | $198 | 0.11% |
| IMA, INC.3 | 8200 E 32ND STREET N WICHITA, KS 67226 | VISION SERVICE PLAN | $607 | — | $607 | 0.60% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | VISION SERVICE PLAN | $322 | — | $322 | 0.35% |
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 | 562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 579 | 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 | 962 | $4.6M |
| Vision(3 contracts) | VISION SERVICE PLAN | 399 | $194K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 562 | $303K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 562 | $303K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 962 | $4.5M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 562 | $476K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 962 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.