| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | BLUE CROSS BLUE SHIELD OF KANSAS | $42K | $0 | $42K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $6K | $309 | $6K | 11.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD SUITE 14B CHICAGO, IL 60604 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $0 | $449 | $449 | 0.80% |
| TRUSS, LLC3 Filed as: TRUSS LLC | UNKNOWN LAWRENCE, KS 66046 | DELTA DENTAL OF KANSAS, INC. | $1K | $0 | $1K | 2.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 5.65% |
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 | 101 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 253 | $1.1M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 224 | $53K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $23K |
| Life insurance | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 101 | $56K |
| Short-term disability | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 101 | $56K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 253 | $1.1M |
| Other | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 101 | $56K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.