| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVAR, FLOOR 14 CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38K | $0 | $38K | 16.07% |
| JAMES C FLETCHER3 Filed as: JAMES CHRISTOPHER FLETCHER | 2828 EAST RAY AVENUE SALINA, KS 67401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | $0 | $35K | 14.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNA AGENCY LLC | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | $0 | $33K | 14.20% |
| NICOLE MARIE MCKINNEY3 | 7160 FLUSH ROAD SAINT GEORGE, KS 66535 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.64% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $111 | $111 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $222 | $0 | $222 | 0.46% |
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 | 529 | 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) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 650 | $3.6M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 4 | $1K |
| Vision | VISION SERVICE PLAN | 404 | $48K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 503 | $104K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 161 | $49K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 650 | $3.6M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 503 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.