| 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 | $36K | — | $36K | 8.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 4435 MAIN ST 4TH FLOOR KANSAS CITY, MO 64111 | HARTFORD LIFE AND ACCIDENT | $35K | — | $35K | 12.03% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4500 TOWN CENTER DR STE 200 JEFFERSONVILLE, IN 47130 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LTD. | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | — | -$62 | -$62 | -0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LTD. | 9200 WARD PRKWY SUITE 500 KANSAS CITY, MO 64114 | HARTFORD LIFE AND ACCIDENT | -$345 | — | -$345 | -0.12% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN ST 4 FL KANSAS CITY, MO 64111 | SURENCY LIFE AND HEALTH | $4K | — | $4K | 4.95% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 4435 MAIN ST 4TH FL KANSAS CITY, MO 64111 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $14K | — | $14K | 19.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Claims processing; Other services; Plan Administrator Service code 12 | — | $343K |
| WPPA, INC. EIN 48-0959093 NONE | Other services; Claims processing Service code 12 | — | $184K |
| ASSUREDPARTNERS OF MISSOURI, LLC EIN 80-0948154 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $74K |
| MULTIPLAN INC. EIN 13-3068979 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $51K |
| SURENCY LIFE AND HEALTH EIN 26-1969006 FSA ADMIN | Contract Administrator; Claims processing Service code 12 | — | $13K |
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 | 946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS | 860 | $448K |
| Vision | SURENCY LIFE AND HEALTH | 790 | $82K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 946 | $293K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 946 | $293K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 946 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 946 | — |
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.