| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 4435 MAIN ST 4TH FL KANSAS CITY, MO 64111 | DELTA DENTAL OF KANSAS | $31K | — | $31K | 8.71% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 4435 MAIN ST 4TH FLOOR KANSAS CITY, MO 64111 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 6.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LTD. | 9200 WARD PRKWY SUITE 500 KANSAS CITY, MO 64114 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 5.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LTD. | 2120 PEWAUKEE ROAD #202 WAUKESHA, WI 53188 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.38% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN ST 4 FL KANSAS CITY, MO 64111 | SURENCY LIFE AND HEALTH | $3K | — | $3K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LTD. | 9200 WARD PARKWAY SUITE 500 KANSAS CITY, MO 64114 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $5K | — | $5K | 8.66% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 4435 MAIN ST 4TH FL KANSAS CITY, MO 64111 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $4K | — | $4K | 6.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Plan Administrator; Other services; Claims processing Service code 12 | — | $261K |
| WPPA, INC. EIN 48-0959093 NONE | Claims processing; Other services Service code 12 | — | $146K |
| SRA INSURANCE AGENCY EIN 80-0851585 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $33K |
| MULTIPLAN INC. EIN 13-3068979 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $31K |
| TRUSS LLC EIN 43-1024682 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $29K |
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 | 798 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS | 710 | $357K |
| Vision | SURENCY LIFE AND HEALTH | 640 | $61K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 798 | $227K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 798 | $227K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 798 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.