| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | BLUE CROSS BLUE SHIELD OF KANSAS | $110K | — | $110K | 4.95% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | DELTA DENTAL OF KANSAS, INC. | $43K | — | $43K | 6.95% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $94K | — | $94K | 16.29% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | AMERITAS LIFE INSURANCE CORP. | $11K | — | $11K | 10.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E. MILLER INSURANCE COMPANY | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | — | $2K | 9.14% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E. MILLER INSURANCE COMPANY | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $281 | — | $281 | 20.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 MEDICAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $477K |
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 | 1,783 | 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) | 1,783 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 762 | $614K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 578 | $114K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 871 | $577K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 871 | $577K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 871 | $577K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 1,783 | $2.2M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 871 | $595K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,783 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.