| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 5700 WEST 112TH ST, SUITE 100 OVERLAND PARK, KS 66211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $27K | — | $27K | 7.91% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST. 8TH FLOOR BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $17K | $17K | 4.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 5700 W. 112TH ST STE 100 LEAWOOD, KS 66211 | AETNA LIFE INSURANCE CO. | $23K | — | $23K | 10.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS | PO BOX 677558 DALLAS, TX 75267 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 16.01% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST, SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 7TH FL NEW YORK, NY 10281 | AXIS INSURANCE COMPANY | $356 | — | $356 | 24.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 5700 W 112TH ST STE 100 OVERLAND PARK, KS 66211 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | — |
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 | 516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 436 | $346K |
| Vision | VISION SERVICE PLAN | 369 | $92K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 571 | $222K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 571 | $222K |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 591 | $273K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.