| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT SPECIALISTS INC3 | 113 EAST WASHINGTON STREET SUITE 18 KIRKSVILLE, MO 63501 | UNITEDHEALTHCARE INSURANCE COMPANY | $100K | — | $100K | 4.98% |
| SANDER SUSAN ELISABE3 | 365 RUE RENEE WARSON WOODS, MO 63122 | KANSAS CITY LIFE INSURANCE COMPANY | $12K | — | $12K | 6.99% |
| SANDER SUSAN ELISABE3 Filed as: SANDER SUSAN ELISABE - 53915S | 365 RUE RENEE WARSON WOODS, MO 63122 | KANSAS CITY LIFE INSURANCE COMPANY | $6K | — | $6K | 11.89% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 390 | $2.0M |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 145 | $172K |
| Vision | KANSAS CITY LIFE INSURANCE COMPANY | 145 | $172K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 159 | $48K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 159 | $48K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 159 | $48K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 159 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.