| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES LLC | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 15.12% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 100 SUMMIT LAKE DR VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $4K | $881 | $4K | 4.07% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | HARTFORD LIFE AND ACCIDENT | $2K | $439 | $2K | 2.03% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES LLC | 4601 COLLEGE BLVD STE 100 LEAWOOD, KS 66211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $5K | $18K | 27.38% |
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 | 801 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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 |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 811 | $108K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 83 | $68K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 27 | $17K |
| Other | HARTFORD LIFE AND ACCIDENT | 811 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 811 | — |
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.