| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN A MEIER3 Filed as: JOHN ALAN MEIER | PO BOX 67087 TOPEKA, KS 66667 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $84K | — | $84K | 4.27% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD SUITE 100 ST LOUIS, MO 63124 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 14.00% |
| MEIER AND MEIER LLC3 | 6505 SW WANAMAKER ROAD AUBURN, KS 66402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| SPETNER ASSOCIATES INC | 8220 DELMAR BLVD SUITE 100 ST LOUIS, MO 63124 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $4K | $6K | 15.24% |
| MEIER AND MEIER LLC | 6505 SW WANAMAKER ROAD AUBURN, KS 66402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.30% |
| MEIER AND MEIER LLC3 | 6505 SW WANAMAKER RD AUBURN, KS 66402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.44% |
| SPETNER ASSOCIATES INC | 8220 DELMAR BLVD SUITE 100 ST LOUIS, MO 63124 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 16.50% |
| MEIER AND MEIER LLC | 6505 SW WANAMAKER ROAD AUBURN, KS 66402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 12.50% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD STE 200 SAINT LOUIS, MO 63124 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| MEIER AND MEIER LLC3 | 6505 SW WANAMAKER ROAD AUBURN, KS 66402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $892 | — | $892 | 4.09% |
| JOHN A MEIER3 Filed as: JOHN MEIER | PO BOX 67087 TOPEKA, KS 66667 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $199 | — | $199 | 0.91% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 265 | $2.0M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 305 | $22K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 371 | $38K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $88K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 371 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.
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.