| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WARD T BUDD3 | PO BOX 26705 OVERLAND PARK, KS 66225 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $27K | $0 | $27K | 3.85% |
| WARD T BUDD3 | PO BOX 26705 OVERLAND PARK, KS 66225 | DELTA DENTAL OF KANSAS, INC. | $2K | $0 | $2K | 2.51% |
| WARD T BUDD3 | PO BOX 26705 OVERLAND PARK, KS 66225 | PRUDENTIAL | $4K | $0 | $4K | 13.18% |
| WARD T BUDD3 | PO BOX 26705 OVERLAND PARK, KS 66225 | USABLE LIFE | $432 | $0 | $432 | 9.99% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KANSAS CI | 1201 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $259 | $0 | $259 | 5.99% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 190 | $711K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 101 | $61K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL | 108 | $36K |
| Long-term disability | PRUDENTIAL | 56 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.