| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELSH & ASSOC LLC3 Filed as: WELSH & ASSOC | 1121 JEFFERSON ST KANSAS CITY, MO 64114 | RELIASTAR LIFE INSURANCE COMPANY | $54K | $277K | $331K | 90.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 1.64% |
| SEE ATTACHED3 | — | AFLAC | $53K | $2K | $54K | 15.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 6 DEGREES HEALTH DX LLC EIN 81-4242649 NONE | Claims processing; Other services Service code 12 | 5800 NE PINEFARM CT 200 HILLBORO, OR 97124 | $237K |
| SOUTHERN SCRIPTS EIN 61-1766825 NONE | Claims processing Service code 12 | 411 BIENVILLE ST NATCHITOCHES, LA 71457 | $218K |
| BENEFIT MANAGEMENT EIN 48-1168746 NONE | Other services; Plan Administrator; Claims processing Service code 12 | 2015 16TH STREET GREAT BEND, KS 67530 | $210K |
| TRIA HEALTH LLC EIN 27-1515235 NONE | Claims processing Service code 12 | 7101 COLLEGE BLVD 600 OVERLAND PARK, KS 66210 | $75K |
| MEDWATCH EIN 16-1662117 NONE | Other services; Claims processing Service code 12 | PO BOX 952679 LAKE MARY, FL 327952679 | $42K |
| DELTA DENTAL EIN 48-0793267 NONE | Contract Administrator Service code 13 | 1619 N WATERFRONT PKWY WICHITA, KS 67278 | $42K |
| ZELIS CLAIMS INTEGRITY EIN 86-1010704 NONE | Claims processing Service code 12 | 2015 16TH STREET GREAT BEND, KS 67530 | $19K |
| TELADOC EIN 04-3705970 NONE | Claims processing; Other services; Plan Administrator Service code 12 | 2015 16TH STREET GREAT BEND, KS 67530 | $19K |
| NEW DIRECTIONS HEALTH EIN 43-1698690 NONE | Contract Administrator Service code 13 | PO BOX 6729 LEAWOOD, KS 66206 | $14K |
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 | 949 | 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) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 295 | $341K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 949 | $367K |
| Short-term disability | AFLAC | 295 | $341K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 949 | $367K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 949 | $707K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 949 | — |
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."
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.