| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 5400 WEST 110TH STREET SUITE 300 OVERLAND PARK, KS 66211 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $59K | $87K | $145K | 1.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 32059 COLLECTIONS CENTER CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF AMERICA | $39K | $0 | $39K | 6.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS. | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 1.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF KS, INC. | 5400 WEST 110TH STREET SUITE 300 OVERLAND PARK, KS 66211 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | $30K | $0 | $30K | 28.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 5400 WEST 110TH STREET SUITE 300 OVERLAND PARK, KS 66211 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | $2K | $0 | $2K | 1.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 5440 WEST 110TH STREET SUITE 300 OVERLAND PARK, KS 66211 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | $995 | $0 | $995 | 0.92% |
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 | 818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 824 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 818 | $10.9M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | 1,466 | $108K |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 818 | $591K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 818 | $591K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 818 | $591K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 818 | $10.9M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 818 | $591K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,466 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.