| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $33K | $0 | $33K | 3.99% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $155 | $13K | 22.83% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY SUITE 500 KANSAS CITY, MO 64114 | DELTA DENTAL OF KANSAS, INC. | $2K | $0 | $2K | 3.55% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 15.63% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $143 | $0 | $143 | 0.94% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 222 | $836K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 202 | $48K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 146 | $17K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 78 | $15K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $59K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 222 | $836K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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 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.