THE WHOLE PERSON - RFP FOR HEALTH BENEFITS BROKER
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    REQUEST FOR PROPOSALS

    EMPLOYEE BENEFITS BROKER

    AND CONSULTING SERVICES

     

    THE WHOLE PERSON

    Kansas City, Missouri

     

    RFP Number: TWP-2026-001

    Issue Date: February 20, 2026

     

    KEY DATES:

    RFP Issue Date: Friday, February 20, 2026

    Questions: Email info@brasspinnaclegroup.com

    Proposals Due: Friday, April 10, 2026, 11:59 PM CST

    Finalist Presentations: TBD

     

    ELECTRONIC SUBMISSIONS ONLY

    No paper submissions accepted

     

    • ORGANIZATIONAL BACKGROUND 
    • About The Whole Person

            The Whole Person, Inc. (TWP) is a non-profit, consumer-controlled Center for Independent Living (CIL), led and supported by individuals with significant disabilities, including board members, staff and volunteers.  As a CIL, more than 51% of TWP’s employees have a disability. 

             Founded in 1978, with widespread grass-roots support, strong consumer control, and a diverse, professional staff.  The organization has a passionate voice of empowerment and advocacy for all persons with disabilities. 

      The Mission

            TWP connects people with disabilities to resources, supports independent choice, and advocates for community change.  For 45+ years, the organization has been a leader in representing people with disabilities in the greater Kansas City area which has led to:

      • More curb ramps across the metro area
      • Increased accessibility in business, programs, and facilities
      • Greater visibility of people with disabilities in the community
      • Improved transportation options
      • Enhanced media coverage and attitudes toward disability issues

      Location

            

      • Headquarters:  3710 Main Street, Kansas City, MO 64111
      • Kansas Office:  650 Minnesota Ave, Kansas City, KS 66101
      • Home Health Office:  1211 N Belt Hwy, St. Joseph, MO 64506

      Service Area

           TWP supports individuals with physical, sensory and mental disabilities through free programs for those with significant disabilities.  TWP serves the following counties:

      • Missouri:  Andrew, Atchison, Buchanan, Cass, Clay, Clinton, DeKalb, Gentry, Holt, Jackson, Nodaway, Platte and Worth counties.
      • Kansas:  Johnson, Leavenworth and Wyandotte

      Staff Composition

      • Approximately 70 employees
      • >51% with disabilities

           When more than 51% of employees identify as having a disability, benefits become a matter of equity, not perks. TWP competes for talent in a nonprofit landscape where wages alone often cannot match the private sector. Benefits become a powerful differentiator.  Benefits are a strategic investment in TWP’s future.  Benefits attract the talent TWP needs. Benefits are a direct expression of TWP’s values.

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    • DISCLOSURES 
    • Disclosures

       

      1. Mandatory Disclosures (2 CFR §200.113)

      All respondents must comply with 2 CFR §200.113. The selected contractor must promptly disclose, in writing, to the Federal awarding agency, its Office of Inspector General, and any applicable pass-through entity, any credible evidence of:

      • Violations of Federal criminal law involving fraud, conflict of interest, bribery, or gratuity violations under Title 18 U.S.C.;
      • Violations of the civil False Claims Act (31 U.S.C. 3729–3733);
      • Any integrity or performance issues required to be reported under 2 CFR Appendix XII (FAPIIS).

      Failure to make required disclosures may result in remedies under 2 CFR §200.339, including suspension or termination.

       

      2. Conflict of Interest (2 CFR §200.318; Missouri RSMo 105.452; Kansas K.S.A. 46‑215 et seq.)

      Respondents must certify compliance with all applicable conflict-of-interest laws and policies, including:

      • Organizational and personal conflicts of interest prohibited under 2 CFR §200.318;
      • Missouri conflict-of-interest statutes, including RSMo 105.452 and related ethics provisions;
      • Kansas conflict-of-interest statutes, including K.S.A. 46‑215 et seq. 
      • Respondents must disclose any potential conflicts in their proposal. The issuing entity reserves the right to determine whether a disclosed conflict is disqualifying.

       

      3. Debarment and Suspension (2 CFR §200.214; 2 CFR Part 180)

      Respondents must certify that neither they nor their principals are:

      • Debarred, suspended, or otherwise excluded from participation in Federal assistance programs;
      • Listed on the SAM.gov Exclusions database.

      Verification may be conducted prior to award.

       

      4. Anti-Lobbying (Byrd Amendment, 31 U.S.C. 1352; 2 CFR Part 200, Appendix II(I))

      For contracts exceeding $100,000, respondents must submit a Certification Regarding Lobbying and, if applicable, Disclosure of Lobbying Activities.

       

      5. Required Federal Contract Provisions (2 CFR §200.327; Appendix II)

      The resulting contract will include all applicable provisions required by 2 CFR Part 200, Appendix II, including but not limited to:

      • Equal Employment Opportunity (41 CFR 60‑1.4)
      • Davis-Bacon Act (if applicable)
      • Contract Work Hours and Safety Standards Act
      • Clean Air Act and Clean Water Act (for contracts >$150,000)
      • Record retention and access requirements
      • Remedies, termination, and administrative requirements

       

      6. State Procurement Compliance

      Missouri

      This solicitation complies with Missouri Revised Statutes Chapter 34, 1 CSR 40‑1, and all applicable requirements of the Missouri Office of Administration, Division of Purchasing.

      Kansas

      This solicitation complies with Kansas Procurement Statutes, including K.S.A. 75‑3739, K.S.A. 75‑37,102, and applicable regulations of the Kansas Department of Administration, Office of Procurement and Contracts.

       

      7. Non-Discrimination

      Respondents must comply with all applicable Federal, Missouri, and Kansas non-discrimination laws, including:

      • Title VI and VII of the Civil Rights Act
      • Missouri Human Rights Act (RSMo 213)
      • Kansas Act Against Discrimination (K.S.A. 44‑1001 et seq.)

       

      8. Right to Reject

      The Whole Person reserves the right to reject any or all proposals, waive informalities, and award in the best interest of the organization.

    • INVITATION AND RFP INSTRUCTIONS 
    •  

      INVITATION TO BID

      Health Benefits Broker and Consulting Services

       

      The Whole Person, Inc. (TWP) invites your company to submit a proposal in response to our Request for Proposals (RFP) for Health Benefits Broker and Consulting Services.

      ABOUT THE WHOLE PERSON
      As a nonprofit, consumer-controlled Center for Independent Living (CIL), TWP is led and supported by individuals with significant disabilities, including our board members, staff, and volunteers. We serve the Kansas City metropolitan area with offices in Kansas City, Lawrence, and Topeka, providing advocacy, independent living services, and resources to people with disabilities.

      More than 51% of our employees identify as having a disability, and our benefits program plays a critical role in supporting their independence, well-being, and long-term stability. TWP currently pays 100% of all healthcare-related premiums for full-time employees to remain competitive with other CILs and nonprofits while supporting our mission-driven workforce of approximately 75 employees.

      WHAT WE'RE SEEKING
      TWP is seeking a benefits broker and consultant who understands the unique needs of a disability-led organization and can partner with us to design, procure, and manage a comprehensive benefits program. The selected firm will support TWP in:

      • Strengthening recruitment and retention through competitive, inclusive benefits
      • Ensuring compliance with all federal and state regulations
      • Managing costs through strategic planning and innovative approaches
      • Aligning our benefits strategy with organizational values and long-term sustainability
      • Providing wellness programs that are accessible and inclusive

      FEDERAL COMPLIANCE REQUIREMENTS
      As a recipient of federal funding, TWP's procurement process is subject to 2 CFR 200 (Uniform Guidance) requirements. All respondents must comply with compensation disclosure requirements under the Consolidated Appropriations Act (CAA) 2021, including complete disclosure of all direct and indirect compensation.

      KEY DATES

      • RFP Release: Thursday, February 20, 2026
      • Intent to Bid Deadline: Friday, April 3, 2026 (5:00 PM CST)
      • Question(s): Email info@brasspinnaclegroup.com
      • Proposal Submission Extended Deadline: Friday, April 10, 2026 (11:59 PM CST)
      • Finalist Presentations: TBD

       

      INTENT TO BID: Firms intending to submit a proposal should submit their intent by April 3, 2026 at 5:00 PM CST. While not mandatory, this helps us plan for the evaluation process and ensures you receive all RFP communications and updates.

      CLICK BELOW AND SUBMIT:

       INTENT TO BID FORM

       

      QUESTIONS: All questions must be emailed to info@brasspinnaclegroup.com

       

       SUBMISSION REQUIREMENTS

      Proposals, including answering all questions and completing all forms, must be submitted electronically via this Jotform by Friday, April 10, 2026 at 11:59 PM CST. Late submissions will not be accepted.

       

      CONTACT INFORMATION

      Company representatives should not reach out to any staff, board members, or employees of The Whole Person in reference to RFP TWP-2026-001. 

      For all RFP inquiries, email: info@brasspinnaclegroup.com

      Reference in subject line: RFP TWP-2026-001 

    • SECTION A: COMPANY BACKGROUND & QUALIFICATIONS (Questions 1-10) 
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    • SECTION B: ACCOUNT TEAM (Questions 11-16) 
    • Q11. Provide names, titles, professional designations (CEBS, RHU, REBC, CMS, GBA, etc.) and brief professional biographies (education, experience, tenure with company) for ALL team members who would work on this account.

    • Please click on the link below for the Account Team Expertise PDF Fillable Form. Once complete, you may "Preview PDF" for your review and download, before submitting. Once submitted, you will receive a copy of the Account Team Expertise PDF in your email. You must upload the document in the "UPLOAD DOCUMENTS" section at the end of this RFP. 

       

      CLICK BELOW:

      Account Team Expertise Form

       

       

       

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    • SECTION C: SERVICE APPROACH & CAPABILITIES (Questions 17-29) 
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    • SECTION D: TECHNOLOGY & TOOLS (Questions 30-34) 
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    • SECTION E: EXPERIENCE & REFERENCES (Questions 35-37) 
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    • Q37. Provide three(3) examples of clients with similar characteristics to TWP (nonprofit, 50-150 employees, disability services/social services sector). For each, describe services provided. At least one must be a nonprofit, preferably in Missouri/Kansas.

       

      Please click on the link below for the Company Experience & Client References PDF Fillable Form. Once complete, you may "Preview PDF" for your review and download, before submitting. Once submitted, you will receive a copy of the Company Experience & Client References PDF in your email. You must upload the document in the "UPLOAD DOCUMENTS" section at the end of this RFP.

    • Click Below:

       COMPANY EXPERIENCE & CLIENT REFERENCES

    • SECTION F: COMPENSATION & FEES (Questions 38-43) 
    • CRITICAL: Per the Consolidated Appropriations Act (CAA) 2021, complete transparency in broker compensation is required.

    • Q38. Itemize ALL direct fees you would charge TWP (consulting fees, implementation fees, technology fees, administrative fees, etc.). Specify amount and frequency for each. 

    • Please click on the link below for the Benefits Pricing PDF Fillable Form. Once complete, you may "Preview PDF" for your review and download, before submitting. Once submitted, you will receive a copy of the Benefits Pricing PDF in your email. You must upload the document in the "UPLOAD DOCUMENTS" section at the end of this RFP. 

       

      CLICK BELOW:

      BENEFITS PRICING

    • PRICING ASSUMPTIONS

      Provide the assumptions underlying your pricing proposal. These assumptions help us ensure fair comparisions across vendors and support data-driven evaluation.

       NOTE: Finalists may be asked to provide additional detail on how these assumptions affect your pricing model during the finalist evaluation phase.

      All fields are required.

      HELPER TEXT:

      Field 1 - Enter the number of eligible employees you are assuming in your pricing model. (e.g. 75)

      Field 2 - Enter the participation rate you are assuming (percentage of eligible employees who enroll.) (e.g. 85% or .85) 

      Field 3 - Enter the total annual medical insurance premium you are assuming (e.g. $750,000)

      Field 4 - Enter the total annual dental insurance premium you are assuming (e.g. $50,000)

      Field 5 - Enter the total annual vision insurance premium you are assuming (e.g. $15,000)

      Field 6 - Enter the total annual premium for all ancillary coverage combined. (e.g. $35,000)

      Field 7 - Enter the number of open enrollment periods you are assuming per year. (e.g. 1 or Annual)

      Field 8 - Describe the volume and frequency of mid-year enrollment changes you are assuming. (e.g., Approximately 5-10 changes per month (new hires, terminations, life events)

      Field 9 - Describe the level of wellness program involvement you are assuming. (e.g., Full service wellness consulting including needs assessment, program design, and vendor management)

      Field 10 - List the compliance services you are assuming are included in your fees. (e.g., ACA compliance, COBRA administration, HIPAA support, regulatory updates)

      Field 11 - Specify the benefits administration platform you are assuming TWP will use and any associated costs. (e.g., Will provide Benefit focus platform at no additional cost)

      Field 12 - Specify whether you are assuming integration with TWP's HRIS/payroll system. (e.g., Integration with Paylocity required, or No HRIS integration assumed)

      Field 13 - Enter the contract length you are assuming in your pricing. (e.g. 3 years)

      Field 14 - Describe your assumptions about contract renewal or extension terms. (e.g., Annual renewal subject to mutual agreement with 90-day notice required)

       

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    • Q43. The CAA 2021 Compensation Disclosure Form MUST be completed in full or your proposal will be deemed non-responsive. This form must disclose ALL compensation received related to benefits services for TWP, including:

      • Direct compensation from TWP
      • Commissions from insurance carriers
        Fees from vendors (benefits administration platforms, wellness vendors, etc.)
      • Marketing funds or support from carriers
      • Any other financial arrangement related to services

       

    • Please click on the link below for the CAA 2021 Compensation Disclosure PDF Fillable Form. Once complete, you may "Preview PDF" for your review and download, before submitting. Once submitted, you will receive a copy of the CAA 2021 Compensation Disclosure PDF in your email. You must upload the document in the "UPLOAD DOCUMENTS" section at the end of this RFP. 

      CLICK BELOW:

      CAA 2021 BROKER COMPENSATION DISCLOSURE FORM 

       

       

    • SECTION G: WELLNESS & POPULATION HEALTH MANAGEMENT (Questions 44-53) 
    • STRATEGIC CONTEXT: The Whole Person recognizes that wellness programs are not just 'nice-to-have' benefits but essential cost-containment strategies. We seek a broker partner who can develop, implement, and measure comprehensive wellness initiatives that:

      • Reduce healthcare costs through prevention and early intervention
      • Improve employee health outcomes and quality of life
      • Decrease absenteeism and presenteeism
      • Build a culture of health and wellbeing
      • Demonstrate measurable ROI and impact on claims costs
    • G.1 Wellness Strategy & Philosophy

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    • G.2 Program Components & Implementation

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    • G.3 Engagement & Participation

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    • G.4 Measurement & ROI

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    • APPENDICES 
    •  

      Appendix A: Insurance Certificates
      Include current certificates of insurance showing:

      • Professional Liability Insurance: Minimum $1,000,000 per occurrence
      • Errors & Omissions Insurance: Minimum $1,000,000 per claim
      • Commercial General Liability: Minimum $1,000,000 per occurrence

       

      Appendix B: Professional Licenses & Certifications
      Include copies of:

      • Insurance producer licenses (all states where TWP employees are located)
      • Professional designations and certifications referenced in proposal
      • Any relevant accreditations or certifications held by firm

       

      Appendix C: Certificate of Good Standing
      Include copy of:

      • Current/Uexpired Certificate of Good Standing from the Missouri Secretary of State

      Appendix D: Certification Regarding Debarment Form

      Please click on the link below for the Certification Regarding Debarment PDF Fillable Form. Once complete, you may "Preview PDF" for your review and download, before submitting. Once submitted, you will receive a copy of the Certification Regarding Debarment PDF in your email. You must upload the document in the "UPLOAD DOCUMENTS" section at the end of this RFP.

      CLICK BELOW:

      CERTIFICATION REGARDING DEBARMENT FORM

       

    • COMPLIANCE ATTESTATIONS (ATTACHMENT 1) 
    • Please click on the link below for the Compliance Attestations PDF Fillable Form. Once complete, you may "Preview PDF" for your review and download, before submitting. Once submitted, you will receive a copy of the Compliance Attestations PDF in your email. You must upload the document in the "UPLOAD DOCUMENTS" section at the end of this RFP.

      CLICK BELOW: 

      Compliance Attestation (Attachment 1)

    • EVALUATION CRITERIA 
    • Proposals will be evaluated using the following 100-point weighted criteria:

       

      CATEGORY                                              POINTS                   QUESTIONS

      1. Technical Qualifications                              20                             Q1-10

      2. Account Team & Service Approach              20                            Q11-29

      3. Technology & Tools                                    10                           Q30-34

      4. Experience & References                            10                           Q35-37

      5. Compensation & Fees                                20                           Q38-43

      6. Wellness & Population Health                      20                          Q44-53

       

      TOTAL POSSIBLE POINTS                        100                 53 Questions

       

      Detailed scoring rubrics will be provided to finalists during the interview process.

    • UPLOAD REQUIRED DOCUMENTS 
    • 1. Upload all required forms and requested appendices documents in PDF form.   

      • Red submission/upload buttons = Forms found within this RFP
      • Gray submission/upload buttons = External documents Respondent to provide

       2. Adhere to naming convention of all files as stated: 

      (TWP_BenefitsBroker_Attachment Name_Company Name.PDF)

       

      3. Files to be uploaded and location where instructions and requested deliverables can be found are as follows:

      • Account Team Expertise - Question 11 (Attachment Name: TWP_BenefitsBroker_Team Expertise_[Company Name].pdf)
      • Company Experience and Client References - Question 37 (Attachment Name: TWP_BenefitsBroker_Experience&References_[Company Name].pdf)
      • Benefits Pricing Form - Question 38 (Attachment Name: TWP_BenefitsBroker_Benefits Pricing_[Company Name].pdf)
      • CAA 2021 Compensation Disclosure Form - Question 43 (Attachment Name: TWP_BenefitsBroker_CAA 2021_[Company Name].pdf)
      • Professional Liability Insurance - Appendix A (Attachment Name: TWP_BenefitsBroker_Liability_[Company Name].pdf)
      • Errors & Omissions Insurance - Appendix A (Attachment Name: TWP_BenefitsBroker_ErrorsandOmissions_[Company Name].pdf)
      • Commercial General Liability Insurance - Appendix A (Attachment Name: TWP_BenefitsBroker_General_[Company Name].pdf)
      • Professional Licenses and Certifications - Appendix B (Attachment Name: TWP_BenefitsBroker_[License/Certification Name]_[Company Name].pdf)
      •  Certificate of Good Standing - Appendix C (Attachment Name: TWP_BenefitsBroker_Good Standing_[Company Name].pdf)
      •  Certification Regarding Debarment Form - Appendix D (Attachment Name: TWP_BenefitsBroker_Debarment_[Company Name].pdf)
      •  Compliance Attestations - Attachment 1 (Attachment Name: TWP_BenefitsBroker_Compliance_[Company Name].pdf)
    • Upload "ACCOUNT TEAM EXPERTISE" Form Here
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    • Upload "BIDDER EXPERIENCE & CLIENT REFERENCES" Form Here
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    • Upload "BENEFITS PRICING" Form Here
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    • Upload "CAA 2021 COMPENSATION DISCLOSURE" Form Here
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    • Upload "INSURANCE" Documents Here
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    • Upload "PROFESSIONAL LICENSES & CERTIFICATIONS" Here
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    • Upload "CERTIFICATE OF GOOD STANDING" Here
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    • Upload "CERTIFICATION DEBARMENT" Form Here
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    • Upload "COMPLIANCE ATTESTATIONS" Form Here
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