| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KC | 5700 W 112TH ST OVERLAND PARK, KS 66211 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $150K | $80K | $230K | 5.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 32059 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $8K | $35K | 6.50% |
| MCINNES GROUP, INC.3 | 3500 W 75TH ST, STE 200 PRAIRIE VILLAGE, KS 66208 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 12980 METCALF AVE, 5TH FL OVERLAND PARK, KS 66213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $5K | $52K | 13.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 12980 METCALF AVE, 5TH FL OVERLAND PARK, KS 66213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $797 | $10K | 16.25% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | — | $3K | 16.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 12980 METCALF AVE, SUITE 500 OVERLAND PARK, KS 66213 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 8.88% |
| THOMAS J WHITEHEAD4 | 3913 W. 124TH ST. LEAWOOD, KS 66209 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $70 | — | $70 | 0.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 245 N WACO ST STE 300 WICHITA, KS 67202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 13.00% |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 499 | $4.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,025 | $536K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,025 | $536K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 578 | $455K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 578 | $391K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 578 | $391K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 499 | $4.5M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 578 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,025 | — |
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.