| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $0 | $0 | $0 | 0.00% |
| WILLIAM MATTHEW MCINNES3 | 3500 W. 75TH STREET #200 PRAIRIE VILLAGE, KS 66208 | KAISER FOUNDATION HEALTH PLAN INC. | $17K | $0 | $17K | 2.00% |
| JACK DUNCAN MCINNES IV3 | 3500 W. 75TH STREET #200 PRAIRIE VILLAGE, KS 66208 | KAISER FOUNDATION HEALTH PLAN INC. | $0 | $0 | $0 | 0.00% |
| WILLIAM MATTHEW MCINNES3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $101K | $0 | $101K | 25.00% |
| JACK D. MCINNES IV3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| WILLIAM MATTHEW MCINNES3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 10.00% |
| JACK D. MCINNES IV3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| JACK D. MCINNES IV3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| WILLIAM MATTHEW MCINNES3 | 3500 W. 75TH STREET #200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $0 | $34K | 15.00% |
| JACK D. MCINNES IV3 | 3500 W. 75TH STREET #200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MCINNES GROUP, INC.3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | EAP CONSULTANTS, INC. | $2K | $0 | $2K | 7.39% |
| MCINNES GROUP, INC.3 | 3500 W. 75TH STREET 200 PRAIRIE VILLAGE, KS 66208 | DELTA DENTAL OF KANSAS, INC. | $2K | $0 | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICE & FEES | Other services; Float revenue; Insurance agents and brokers; Contract Administrator; Other commissions; Claims processing; Insurance brokerage commissions and fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $320K |
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 | 1,265 | 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) | 1,265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 1,081 | $0 |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,114 | $229K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 898 | $230K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,265 | $253K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 1,031 | $2.0M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,288 | $656K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,288 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.