| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELSH & ASSOC LLC3 Filed as: WELSH & ASSOCATIES | 8016 STATE LINE RD STE 109 PRAIRIE VILLAGE, KS 66208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $9K | $44K | 25.02% |
| WELSH & ASSOC LLC3 Filed as: WELSH & ASSOCIATES | 8016 STATE LINE RD STE 109 PRAIRIE VILLAGE, KS 66208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $6K | $28K | 19.36% |
| WELSH & ASSOC LLC3 Filed as: WELSH & ASSOCIATIES LLC | 11121 JEFFERSON KANSAS CITY, MO 64114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY/ALLSTATE | $16K | — | $16K | 11.91% |
| WELSH & ASSOC LLC3 Filed as: WELSH & ASSOCATES | 11121 JEFFERSON KANSAS CITY, MO 64114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY/ALLSTATE | $18K | — | $18K | 14.35% |
| WELSH & ASSOC LLC3 Filed as: WELSH & ASSOCIATES | 11121 JEFFERSON KANSAS CITY, MO 64114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY/ALLSTATE | $12K | — | $12K | 12.88% |
| STOKES TRAVIS3 | 1776 AMERCAN HERITAGE DR JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY/ALLSTATE | $8K | — | $8K | 8.79% |
| WELSH & ASSOC LLC3 Filed as: WELSH & ASSOCIATES | 11121 JEFFERSON KANSAS CITY, MO 64114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY/ALLSTATE | $8K | — | $8K | 8.95% |
| WELSH & ASSOC LLC3 Filed as: WELSH & ASSOCIATES LLC | 8016 STATE LINE RD STE 109 PRAIRIE VILLAGE, KS 66208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 14.93% |
| WELSH & ASSOC LLC Filed as: WELSH & ASSOCIATES LLC | 11121 JEFFERSON KANSAS CITY, MO 64114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY/ALLSTATE | $9K | — | $9K | 13.16% |
| WELSH & ASSOC LLC3 | 7611 STATE LINE RD STE 200 KANSAS CITY, MO 64114 | HARTFORD LIFE AND ACCIDENT | $99 | — | $99 | 2.92% |
| WELSH & ASSOC LLC3 Filed as: WELSH & ASSOCIATES LLC | 7611 STATE LINE ROAD STE 220 KANSAS CITY, MO 64114 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| HOME OFFICE DIRECT3 | ONE HARTFORD PLAZA HARTFORD, CT 06155 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | — |
| 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 HILLSBORO, OR 97124 | $428K |
| BENEFIT MANAGEMENT LLC EIN 48-1168746 NONE | Claims processing; Plan Administrator; Other services Service code 12 | 2015 16TH STREET GREAT BEND, KS 67530 | $309K |
| LIVINITI EIN 61-1766825 NONE | Claims processing Service code 12 | 411 BIENVILLE ST NATCHITOCHES, LA 71457 | $180K |
| TRIA HEALTH LLC EIN 27-1515235 NONE | Claims processing Service code 12 | 7101 COLLEGE BLVD STE 600 OVERLAND PARK, KS 66210 | $100K |
| MEDWATCH, LLC EIN 16-1662117 NONE | Other services; Claims processing Service code 12 | PO BOX 952679 LAKE MARY, FL 327952679 | $61K |
| DELTA DENTAL OF KANSAS EIN 48-0793267 NONE | Contract Administrator; Claims processing Service code 12 | 1619 N WATERFRONT PKWY WICHITA, KS 672789769 | $55K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 NONE | Contract Administrator Service code 13 | PO BOX 6729 LEAWOOD, KS 66206 | $33K |
| TELADOC, INC. EIN 04-3705970 NONE | Claims processing; Accounting (including auditing); Other services Service code 10 | 2015 16TH STREET GREAT BEND, KS 67530 | $27K |
| ZELIS CLAIMS INTEGRITY, LLC EIN 86-1040704 NONE | Claims processing Service code 12 | 2015 16TH STREET GREAT BEND, KS 67530 | $25K |
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 | 1,362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY/ALLSTATE | 300 | $122K |
| Short-term disability(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 604 | $278K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 10 | $3K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,392 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,392 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.