| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIRTUS LLC3 | 4550 WEST 109TH STREET, SUITE 301 OVERLAND PARK, KS 66211 | BLUECROSS BLUESHIELD OF TEXAS | $150K | $4K | $154K | 3.81% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET, SUITE 301 OVERLAND PARK, KS 66211 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $61K | $424 | $61K | 17.00% |
| VIRTUS LLC3 | 4550 WEST 109TH STREET, SUITE 301 OVERLAND PARK, KS 66211 | KAISER FOUNDATION HEALTH PLAN, INC. | $10K | $0 | $10K | 4.51% |
| VIRTUS LLC3 | 9800 METCALF AVENUE, SUITE 500 OVERLAND PARK, KS 66212 | DEARBORN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.99% |
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 | 437 | 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) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 591 | $4.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 591 | $4.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 265 | $40K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 424 | $360K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 424 | $360K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 424 | $360K |
| Prescription drug(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 591 | $4.3M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 424 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.