| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL RESOURCES OF KANSAS CITY3 Filed as: FINANCIAL RESOURCES OF KC CITY INC | 10975 BENSON SUITE 310 OVERLAND PARK, KS 66210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $38K | $38K | 4.77% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $15K | $15K | 1.90% |
| FINANCIAL RESOURCES OF KANSAS CITY3 Filed as: FINANCIAL RESOURCES OF KC CITY INC | 10975 BENSON SUITE 310 OVERLAND PARK, KS 66210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 0.47% |
| FINANCIAL RESOURCES OF KANSAS CITY3 | 7930 SANTA FE DRIVE SUITE 100 OVERLAND PARK, KS 66204 | COMPANION LIFE INSURANCE COMPANY | $5K | $5 | $5K | 9.65% |
| FINANCIAL RESOURCES OF KANSAS CITY3 | 10975 BENSON SUITE 310 OVERLAND PARK, KS 66210 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 14.00% |
| FINANCIAL RESOURCES OF KANSAS CITY3 | 10975 BENSON STREET SUITE 310 OVERLAND PARK, KS 66210 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.15% |
| FINANCIAL RESOURCES OF KANSAS CITY3 | 10975 BENSON STREET SUITE 310 OVERLAND PARK, KS 66210 | UNITEDHEALTHCARE INSURANCE COMPANY | $323 | — | $323 | 4.00% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 145 | $806K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 119 | $56K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $8K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $15K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 194 | $21K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.