| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD STE 400 LEAWOOD, KS 66211 | UNITED HEALTHCARE INSURANCE COMPANY | $501K | $0 | $501K | 4.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD. SUITE 400 OVERLAND PARK, KS 66211 | DELTA DENTAL OF KANSAS | $37K | $0 | $37K | 3.82% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | PRINCIPAL LIFE INSURANCE COMPANY | $137K | $17K | $154K | 16.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | VISION SERVICE PLAN | $11K | $0 | $11K | 6.00% |
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 | 1,805 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 2,757 | $12.1M |
| Dental | DELTA DENTAL OF KANSAS | 1,834 | $968K |
| Vision | VISION SERVICE PLAN | 1,665 | $180K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 2,203 | $914K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,203 | $914K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,203 | $914K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,757 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.