| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD LEAWOOD, KS 66211 | DELTA DENTAL OF KANSAS | $12K | $0 | $12K | 12.48% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD LEAWOOD, KS 66211 | GUARDIAN LIFE | $5K | $0 | $5K | 11.63% |
| TECHSOURCE INC3 Filed as: TECHSOURCE, INC. | 14548 SHERWOOD STREET LEAWOOD, KS 66224 | GUARDIAN LIFE | $858 | $0 | $858 | 1.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUKATY COMPANIES EIN 48-1224371 AGENT/BROKER | Insurance agents and brokers Service code 22 | — | $64K |
| COEUR PLAN SERVICES, LLC EIN 47-5018259 MEDICAL PLAN TPA | Claims processing; Contract Administrator Service code 12 | — | $57K |
| S&S HEALTHCARE STRATEGIES LTD EIN 31-1418743 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $43K |
| TRUE CAPTIVE EIN 85-0993490 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $30K |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS | 166 | $96K |
| Vision | GUARDIAN LIFE | 223 | $43K |
| Life insurance | GUARDIAN LIFE | 223 | $43K |
| Stop-loss / reinsurancereinsurance | EVOLUTION RISK PARTNERS, LLC | 173 | $474K |
| Other | GUARDIAN LIFE | 223 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.