| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 EAST 104TH STREET #800 KANSAS CITY, MO 64131 | DELTA DENTAL OF MISSOURI | $4K | — | $4K | 3.39% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF MISSOURI | — | $2K | $2K | 1.56% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY IN | 903 EAST 104TH STREET SUITE 800 KANSAS CITY, MO 64131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 9.17% |
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.60% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC DBA THR | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.50% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY IN | 903 EAST 104TH STREET SUITE 800 KANSAS CITY, MO 64131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 13.74% |
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.48% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC DBA THR | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.50% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY IN | 903 EAST 104TH STREET SUITE 800 KANSAS CITY, MO 64131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 9.16% |
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.64% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC DBA THR | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.50% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGECY INC | 903 EAST 104TH STREET SUITE 800 KANSAS CITY, MO 64131 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 9.20% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC DBA THR | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $624 | $624 | 1.50% |
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $517 | — | $517 | 1.24% |
| THE MILLER GROUP3 | 903 EAST 104TH STREET SUITE 800 KANSAS CITY, MO 64131 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.14% |
| IMA, INC.3 Filed as: IMA - OVERLAND PARK, KS | PO BOX 2992 WICHITA, KS 67201 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $206 | — | $206 | 1.72% |
| ASSURAEX GLOBAL CORPORATION-EXCHANG3 | 175 SOUTH 3RD STREET SUITE 800 COLUMBUS, OH 43215 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $137 | — | $137 | 1.15% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY IN | 903 EAST 104TH STREET SUITE 800 KANSAS CITY, MO 64131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $125 | — | $125 | 9.14% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC DBA THR | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $21 | $21 | 1.54% |
| IMA, INC.3 Filed as: IMA INC | 9393 WEST 110TH STREET SUITE 600 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12 | — | $12 | 0.88% |
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 | 340 | 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) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 325 | $117K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 282 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $98K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $82K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $87K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 144 | $132K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.