| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $31K | $25K | $56K | 1.83% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BOULEVARD, SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $7K | $4K | $11K | 6.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 2.76% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 1.96% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BOULEVARD, SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $113 | $35 | $148 | 5.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | — | $72 | $72 | 2.54% |
No Schedule C service providers reported on this filing.
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 344 | $3.0M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 146 | $144K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 195 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 260 | $170K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 260 | $170K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 260 | $170K |
| Other | HARTFORD LIFE AND ACCIDENT INSURANCE CO | 171 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.