| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH INC | PO BOX 1652 AMHERST, NY 14226 | UNIMERICA INSURANCE COMPANY | $55K | — | $55K | 15.00% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH - NEW YORK | 300 CORPORATE PARKWAY AMHERST, NY 14226 | UNIMERICA INSURANCE COMPANY | $5K | — | $5K | 1.49% |
| SS&G AND ASSOCIATES INC3 | 10504 MEADOW LANE LEAWOOD, KS 66206 | AMERITAS LIFE INSURANCE CORP. | $7K | — | $7K | 15.00% |
| SS&G ASSOC INC3 Filed as: SS&G AND ASSOC INC | PO BOX 2628 MISSION, KS 66201 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 15.00% |
| THOMAS A BRYON3 | 10504 MEADOW LANE LEAWOOD, KS 66202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 118 | $50K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 171 | $40K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 171 | $40K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 171 | $47K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 206 | $368K |
| Other | HARTFORD LIFE AND ACCIDENT | 171 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.