| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL INS MARKETING BRO3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | AMERICAN UNITED LIFE INSURANCE COMPANY | $32K | — | $32K | 20.00% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 7.86% |
| JM MARKETING LLC3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.59% |
| NATIONAL INSURANCE MARKETING BROKER5 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 3.59% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 48.65% |
| JM MARKETING LLC3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.47% |
| NATIONAL INSURANCE MARKETING BROKER5 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 3.47% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 50.26% |
| JM MARKETING LLC3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $987 | — | $987 | 3.59% |
| NATIONAL INSURANCE MARKETING BROKER5 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | — | $987 | $987 | 3.59% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 50.97% |
| JM MARKETING LLC3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $985 | — | $985 | 3.64% |
| NATIONAL INSURANCE MARKETING BROKER5 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | — | $985 | $985 | 3.64% |
| IMA, INC.3 Filed as: IMA | 430 EAST DOUGLAS AVENUE SUITE 400 WICHITA, KS 67202 | HEALTHIESTYOU C/O TELADOC HEALTH INC | $2K | — | $2K | 15.00% |
| BENEFITS DIRECT3 | 4551 W 107TH STREET, STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN GENERAL INSURANCE COMPANY | $703 | $604 | $1K | 18.60% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,197 | $122K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,197 | $122K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 591 | $161K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 591 | $161K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 591 | $161K |
| Other(6 contracts, 4 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 804 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,197 | — |
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.