| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WASHINGTON STREET INSURANCE GROUP3 | 12318 SOUTH CICERO AVE ALSIP, IL 60803 | AMALGAMATED LIFE INSURANCE COMPANY | $15K | — | $15K | 2.00% |
| COMMERCIAL GROUP INTERMEDIARIES3 | 16 EXECUTIVE CT SOUTH BARRINGTON, IL 60010 | ZURICH AMERICAN INSURANCE COMPANY | $18K | — | $18K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 23-2710210 CLAIMS PROCESSING | Other services; Direct payment from the plan; Participant communication; Float revenue; Non-monetary compensation; Claims processing Service code 12 | 9401 INDIAN CREEK PKWY OVERLAND PARK, KS 66210 | $506K |
| BMGI EIN 48-6127146 ADMINISTRATOR | Direct payment from the plan; Other services; Contract Administrator Service code 13 | 625 ENTERPRISE DR OAK BROOK, IL 60523 | $291K |
| SPENCER FANE EIN 44-0561981 LEGAL | Legal; Direct payment from the plan Service code 29 | 1000 WALNUT ST SUITE 1400 KANSAS CITY, MO 64106 | $210K |
| REDSTONE ADVISORS EIN 48-1105831 INVESTMENT ADVISOR | Investment management; Investment advisory (plan); Direct payment from the plan Service code 27 | 8100 E 22ND ST N STE 800 WICHITA, KS 67226 | $52K |
| DELTA DENTAL OF KS EIN 48-0793267 CLAIMS PROCESSING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Insurance services Service code 15 | 1619 N WATERFRONT PKWY WICHITA, KS 67278 | $45K |
| TAFT-HARTLEY SERVICES EIN 45-5196696 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | 481 NW WINCHESTER CT BLUE SPRINGS, MO 64014 | $40K |
| MORROW & CO EIN 48-1142797 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | 421 E 3RD ST N WICHITA, KS 67202 | $37K |
| EMPRISE BANK EIN 74-2809141 CUSTODIAN | Custodial (securities); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan Service code 15 | 257 N BROADWAY WICHITA, KS 67202 | $18K |
| OSBORNE CARREIRO & ASSOCIATES, INC. ACTUARY | Actuarial; Direct payment from the plan Service code 11 | 124 W CAPITOL AVE 1690 LITTLE ROCK, AR 72201 | $6K |
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 | 1,184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AMALGAMATED LIFE INSURANCE COMPANY | 1,136 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,136 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.