| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSS, LLC3 Filed as: TRUSS | 9200 WARD PARKWAY SUITE 500 KANSAS CITY, MO 64114 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $85K | $30K | $115K | 3.32% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY SUITE 500 KANSAS CITY, MO 64114 | DELTA DENTAL OF KANSAS, INC. | $16K | $0 | $16K | 8.25% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $112 | $18K | 10.90% |
| MARC ALAN HOLLABAUGH3 | 836 WEST 62ND STREET KANSAS CITY, MO 64113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $442 | $11 | $453 | 0.27% |
| CREATIVE PLANNING BENEFITS LLC3 Filed as: CREATIVE PLANNING BENEFITS | 5440 WEST 110TH STREET, SUITE 100 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $155 | $0 | $155 | 0.09% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.18% |
| MARC ALAN HOLLABAUGH3 | 836 WEST 62ND STREET KANSAS CITY, MO 64113 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $50 | $1K | 5.31% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $606 | $0 | $606 | 2.54% |
| CREATIVE PLANNING BENEFITS LLC3 Filed as: CREATIVE PLANNING BENEFITS | 5440 WEST 110TH STREET, SUITE 100 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $206 | $0 | $206 | 0.86% |
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 | 470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 676 | $3.5M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 310 | $191K |
| Vision | VISION SERVICE PLAN | 290 | $38K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $192K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 80 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $168K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 676 | $3.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.