| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COUCH & HEPLER LLC3 Filed as: COUCH & HEPLER, LLC | 7400 WEST 130TH ST STE 310 SHAWNEE, KS 66203 | HMO MISSOURI, INC | $45K | — | $45K | 2.81% |
| HOSFIELD BENEFIT SERVICES LLC3 | 7400 WEST 130TH ST STE 310 OVERLAND PARK, KS 66213 | HMO MISSOURI, INC | $4K | — | $4K | 0.25% |
| COUCH & HEPLER LLC3 Filed as: COUCH & HEPLER, LLC | 7400 WEST 130TH ST STE 310 OVERLAND PARK, KS 66213 | UNION SECURITY INSURANCE COMPANY | $19K | — | $19K | 9.31% |
| HOSFIELD BENEFIT SERVICES LLC3 | 7400 WEST 130TH ST STE 310 OVERLAND PARK, KS 66213 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 2.99% |
| COUCH & HEPLER LLC3 Filed as: COUCH & HEPLER, LLC | 7400 WEST 130TH ST STE 310 OVERLAND PARK, KS 66213 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 14.97% |
| HOSFIELD BENEFIT SERVICES LLC3 | 7400 WEST 130TH ST STE 310 OVERLAND PARK, KS 66213 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 5.03% |
| COUCH & HEPLER LLC3 Filed as: COUCH & HEPLER, LLC | 7400 WEST 130TH ST STE 310 OVERLAND PARK, KS 66213 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 14.54% |
| HOSFIELD BENEFIT SERVICES LLC3 | 7400 WEST 130TH ST STE 310 OVERLAND PARK, KS 66213 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 5.46% |
| COUCH & HEPLER LLC3 Filed as: COUCH & HEPLER, LLC | 7400 WEST 130TH ST STE 310 SHAWNEE, KS 66203 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.48% |
| HOSFIELD BENEFIT SERVICES LLC3 | 7400 WEST 130TH ST STE 310 OVERLAND PARK, KS 66213 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $378 | — | $378 | 2.47% |
| HOSFIELD BENEFIT SERVICES LLC3 | 7400 WEST 130TH ST STE 310 OVERLAND PARK, KS 66213 | ANTHEM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMO MISSOURI, INC | 410 | $1.6M |
| Dental | UNION SECURITY INSURANCE COMPANY | 183 | $204K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 265 | $15K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 222 | $66K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 58 | $39K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 183 | $204K |
| Other(3 contracts, 2 carriers) | HMO MISSOURI, INC | 410 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.
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.