| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $42K | $1K | $43K | 5.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD SUITE 400 OVERLAND PARK, KS 66211 | DELTA DENTAL | $52K | $7K | $58K | 84.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD OVERLAND PARK, KS 66211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $452 | $3K | 16.10% |
| RYAN BOWLING3 | 8575 W 110TH ST STE 320 OVERLAND PARK, KS 66210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 8.02% |
| LAURA E BOWLING3 | 8575 W 110TH ST STE 320 OVERLAND PARK, KS 66210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $646 | $0 | $646 | 3.29% |
| MARILYN B BOWLING3 | 19204 W 102ND ST LENEXA, KS 66220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $463 | $173 | $636 | 3.24% |
| RON BOWLING3 | 8575 W 110TH ST STE 210 OVERLAND PARK, KS 66210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $451 | $18 | $469 | 2.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD SUITE 400 OVERLAND PARK, KS 66211 | VISION SERVICE PLAN | $948 | $0 | $948 | 6.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD SUITE 400 OVERLAND PARK, KS 66211 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $256 | $256 | 2.40% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 151 | $843K |
| Dental | DELTA DENTAL | 134 | $69K |
| Vision | VISION SERVICE PLAN | 121 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 143 | $11K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 143 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.