| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC | 3500 W 75TH STREET STE 200 PRAIRIE VILLAGE, KS 66208 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $35K | $59K | $94K | 35.60% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC. | 3500 W 75TH STREET STE 200 PRAIRIE VILLAGE, KS 66208 | DELTA DENTAL OF KANSAS, INC. | $1K | $0 | $1K | 0.56% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC. | 3500 W 75TH STREET STE 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | $0 | $51K | 25.00% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC. | 3500 W 75TH STREET STE 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.40% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC. | 3500 W 75TH STREET STE 200 PRAIRIE VILLAGE, KS 66208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Other services; Participant communication; Investment management fees paid indirectly by plan; Claims processing; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Float revenue Service code 12 | — | $169K |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 287 | $265K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 295 | $221K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 287 | $265K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $264K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 268 | $77K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 406 | $99K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 287 | $265K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 287 | $265K |
| Other | EAP CONSULTANTS INC | 394 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.