| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMERCIAL GROUP INTERMEDIARIES3 | 16 EXECUTIVE CT SOUTH BARRINGTON, IL 60010 | ZURICH AMERICAN INSURANCE COMPANY | $46K | — | $46K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 23-2710210 CLAIMS PROCESSING | Participant communication; Other services; Claims processing; Direct payment from the plan; Float revenue; Non-monetary compensation Service code 12 | 9401 INDIAN CREEK PKWY OVERLAND PARK, KS 66210 | $622K |
| BMGI EIN 48-6127146 ADMINISTRATOR | Direct payment from the plan; Other services; Contract Administrator Service code 13 | 625 ENTERPRISE DR OAK BROOK, IL 60523 | $312K |
| SPENCER FANE EIN 44-0561981 LEGAL | Legal; Direct payment from the plan Service code 29 | 1000 WALNUT ST SUITE 1400 KANSAS CITY, MO 64106 | $213K |
| MORROW & CO LLC CPAS EIN 48-1142797 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | 10500 E BERKELEY SQ PWKY WICHITA, KS 67206 | $74K |
| REDSTONE ADVISORS EIN 48-1105831 INVESTMENT ADVISOR | Direct payment from the plan; Investment advisory (plan); Investment management Service code 27 | 8100 E 22ND ST N SUITE 80 WICHITA, KS 67226 | $68K |
| DELTA DENTAL OF KS EIN 48-1793267 CLAIMS PROCESSING | Insurance services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1619 N WATERFRONT PKWY WICHITA, KS 67201 | $61K |
| EMPRISE BANK EIN 74-2809141 CUSTODIAN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Other services; Custodial (securities) Service code 15 | 257 N BROADWAY WICHITA, KS 67202 | $47K |
| TAFT-HARTLEY SERVICES EIN 45-5196696 CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | 481 NW WINCHESTER CT BLUE SPRINGS, MO 64014 | $41K |
| SOMMERS & FAHRENBACH PRINTING | Copying and duplicating; Other services; Direct payment from the plan Service code 36 | 10498 163RD PLACE ORLAND PARK, IL 60467 | $19K |
| UNION INSURANCE GROUP INSURANCE PROVIDER | Insurance services; Direct payment from the plan Service code 23 | 303 W ERIE ST 310 CHICAGO, IL 60654 | $16K |
| OSBORNE CARREIRO & ASSOCIATES INC. ACTUARY | Actuarial; Direct payment from the plan Service code 11 | 124 W CAPITOL AVE 1690 LITTLE ROCK, AR 72201 | $7K |
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 | 1,385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | ZURICH AMERICAN INSURANCE COMPANY | 1,234 | $928K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,234 | — |
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.