| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HERITAGE COMPANIES3 Filed as: HERITAGE COMPANIES | 7926 E 171ST STREET STE 100 BELTON, MO 64012 | BLUE CROSS BLUE SHIELD OF KANSAS | $26K | — | $26K | 2.99% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INS AGENCY INC | 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | UNION SECURITY INSURANCE COMPANY | $14K | — | $14K | 9.50% |
| HERITAGE CORPORATE BENEFITS3 Filed as: HERITAGE BENEFIT CONSULTANTS | 7926 E 171ST STREET STE 100 BELTON, MO 64012 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 8.55% |
| GROUP BENEFITS SERVICES LLC3 | 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 14.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 INSURANCE BROKER | Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $158K |
| MOODY INSURANCE AGENCY INSURANCE BROKER | Other commissions; Insurance agents and brokers Service code 22 | 8055 EAST TUFTS AVENUE, STE 1000 DENVER, CO 80237 | $86K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 | Claims processing; Other fees Service code 12 | — | $19K |
| GROUP BENEFIT SERVICES LLC INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 8055 EAST TUFTS AVENUE, STE 1000 DENVER, CO 80237 | $7K |
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 | 536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 310 | $867K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 341 | $139K |
| Vision(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 728 | $284K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 341 | $159K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 728 | $284K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 728 | $284K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 310 | $867K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 309 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 728 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.