| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRITY MIDWEST INSURANCE LLC3 | 1540 WAKARUSA DR STE D LAWRENCE, KS 660472096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.75% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD, STE 100 LEAWOOD, KS 662111664 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $615 | $72 | $687 | 2.50% |
| INTEGRITY MIDWEST INSURANCE LLC3 | 1540 WAKARUSA DR STE D LAWRENCE, KS 660472096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.10% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD, STE 100 LEAWOOD, KS 662111664 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $250 | $51 | $301 | 1.67% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD, STE 100 LEAWOOD, KS 662111664 | VISION SERVICE PLAN | $423 | — | $423 | 2.37% |
| INTEGRITY MIDWEST INSURANCE LLC3 | 1540 WAKARUSA DR STE D LAWRENCE, KS 660472096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| INTEGRITY MIDWEST INSURANCE LLC3 | 1540 WAKARUSA DR STE D LAWRENCE, KS 660472096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $251 | — | $251 | 11.59% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD, STE 100 LEAWOOD, KS 662111664 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74 | — | $74 | 3.42% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 238 | $981K |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 238 | $981K |
| Vision | VISION SERVICE PLAN | 127 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $18K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 20 | $8K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 238 | $981K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.