| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID WIGGINS3 | 8900 STATE LINE RD STE 350 LEAWOOD, KS 66206 | RELIASTAR LIFE INSURANCE COMPANY | $101K | $0 | $101K | 3.28% |
| UMR, INC.3 Filed as: UMR INC | MARY GOSZ MAIL STOP 7320 11 SCOTT STREET STE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $67K | $67K | 2.17% |
| BIGGIN CONSULTING SERVICES LLC3 | 2800 JORDAN GRV WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $138 | $138 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 700 WEST 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY | $128K | $10K | $138K | 28.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK P O BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY | -$2K | -$180 | -$2K | -0.50% |
| BUKATY COMPANIES3 | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | SURENCY LIFE AND HEALTH | $57K | $0 | $57K | 14.87% |
| DAVID WIGGINS3 | 8900 STATE LINE ROAD SUITE 350 LEAWOOD, KS 66206 | UNUM LIFE INSURANCE COMPANY | $16K | $2K | $18K | 18.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.5M |
| CBIZ BENEFITS & INSURANCE SERVICES EIN 31-1582098 BROKER | Other commissions Service code 55 | — | $102K |
| DELTA DENTAL OF KS EIN 48-0793267 CLAIMS PROCESSING | Claims processing Service code 12 | — | $85K |
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 | 2,139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SURENCY LIFE AND HEALTH | 1,893 | $380K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,806 | $3.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 763 | $487K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 183 | $98K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,806 | $3.1M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 2,806 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,806 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.