| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK D. MCINNES IV3 Filed as: JACK D MCINNES IV | 4300 SHAWNEE MISSION PARKWAY FAIRWAY, KS 66205 | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $147K | $0 | $147K | 9.09% |
| JACK DUNCAN MCINNES IV3 | 4300 SHAWNEE MISSION PKWY #100 FAIRWAY, KS 66205 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | $0 | $18K | 1.83% |
| JACK D. MCINNES IV3 | 4300 SHAWNEE MISSION PKWY #100 FAIRWAY, KS 66205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70K | $0 | $70K | 9.28% |
| MCINNES GROUP, INC.3 | 4300 SHAWNEE MISSION PKWY #100 FAIRWAY, KS 66205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 0.73% |
| JACK D. MCINNES IV3 | 4300 SHAWNEE MISSION PARKWAY FAIRWAY, KS 66205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $90K | $0 | $90K | 25.00% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP,INC. | 4300 SHAWNEE MISSION PARKWAY FAIRWAY, KS 66205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.75% |
| DAVID W WIGGINS3 Filed as: DAVID W. WIGGINS | 8900 STATE LINE RD 350 LEAWOOD, KS 66206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1 | $4K | 5.85% |
| J. DUNCAN MCINNES IV3 | 4300 SHAWNEE MISSION PKWY 100 FAIRWAY, KS 66205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.22% |
| MCINNES GROUP, INC.3 | 4300 SHAWNEE MISSION PKWY 100 FAIRWAY, KS 66205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| DAVID W WIGGINS3 Filed as: DAVID W. WIGGINS | 1111 MAIN STREET KANSAS CITY, MO 64105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.07% |
| MCINNES GROUP, INC.3 | 4300 SHAWNEE MISSION PARKWAY FAIRWAY, KS 66205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $488 | $0 | $488 | 1.14% |
| JACK D. MCINNES IV3 | 4300 SHAWNEE MISSION PARKWAY FAIRWAY, KS 66205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $458 | $0 | $458 | 1.07% |
| MCINNES GROUP, INC.3 | 4300 SHAWNEE MISSION PARKWAY 100 FAIRWAY, KS 66205 | EAP CONSULTANTS, INC. | $1K | $0 | $1K | 5.38% |
| MCINNES GROUP, INC.3 | 4300 SHAWNEE MISSION PARKWAY 100 FAIRWAY, KS 66205 | DELTA DENTAL OF KANSAS, INC. | $5K | $0 | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICE & FEES | Contract Administrator; Insurance agents and brokers; Other commissions; Claims processing; Insurance brokerage commissions and fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $734K |
| EXPRESS SCRIPTS, INC. EIN 31-1714795 DRUG COMPANY | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $0 |
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 | 1,887 | 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) | 1,887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 1,887 | $1.6M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 1,070 | $0 |
| Vision | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 1,887 | $1.6M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,264 | $755K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,264 | $755K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,264 | $755K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 1,887 | $1.6M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,264 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,887 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.