| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK DUNCAN MCINNES IV3 | 3500 W. 75TH STREET #200 PRAIRIE VILLAGE, KS 66208 | KAISER FOUNDATION HEALTH PLAN INC. | $19K | $0 | $19K | 2.21% |
| JACK D. MCINNES IV3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $92K | $13K | $105K | 27.00% |
| WILLIAM MATTHEW MCINNES3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.22% |
| JACK D. MCINNES IV3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $13K | $38K | 14.48% |
| WILLIAM MATTHEW MCINNES3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $904 | $0 | $904 | 0.35% |
| JACK D. MCINNES IV3 | 3500 W. 75TH STREET #200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $11K | $45K | 19.46% |
| WILLIAM MATTHEW MCINNES3 | 3500 W. 75TH STREET #200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.44% |
| JACK D. MCINNES IV3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 4.92% |
| MACLELLAN, DANIEL, OWEN3 | PO BOX 58434 NASHVILLE, TN 37205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $208 | $7K | 5.91% |
| J. DUNCAN MCINNES IV3 | 3500 W. 7TTH STREET #200 PRAIRIE VILLAGE, KS 66208 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.40% |
| DAVID W WIGGINS3 Filed as: DAVID W. WIGGINS | 8900 STATE LINE RD 350 LEAWOOD, KS 66206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $4 | $3K | 2.66% |
| DANIEL OWEN MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $237 | $8K | 17.85% |
| JACK DUNCAN MCINNES IV3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 9.41% |
| DAVID W WIGGINS3 Filed as: DAVID WILLIAM WIGGINS | 8900 STATE LINE RD 350 LEAWOOD, KS 66206 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.13% |
| MCINNES GROUP, INC.3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.03% |
| MCINNES GROUP, INC.3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | EAP CONSULTANTS, INC. | $779 | $0 | $779 | 3.45% |
| MCINNES GROUP, INC.3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | DELTA DENTAL OF KANSAS, INC. | $5K | $0 | $5K | — |
| JACK D. MCINNES IV3 Filed as: JACK D MCINNES IV | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $2K | $0 | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICES, FEES | Other fees; Insurance agents and brokers; Other commissions; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $570K |
| EXPRESS SCRIPTS EIN 31-1714795 SERVICE & FEES | 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 | 1,329 | 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) | 1,329 | 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 | 1,067 | $0 |
| Dental | DELTA DENTAL OF KANSAS, INC. | 1,155 | $0 |
| Vision | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 1,067 | $0 |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,165 | $621K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,329 | $259K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,067 | $228K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,427 | $802K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,427 | — |
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.
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.