| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $45K | $9K | $54K | 3.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $2K | $15K | 9.64% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 1.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $450 | $4K | 19.33% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $753 | $0 | $753 | 3.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 7.71% |
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 | 149 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 253 | $1.4M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $155K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 186 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $155K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $155K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $155K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 253 | $1.4M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 161 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.