| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COUCH & HEPLER LLC3 Filed as: COUCH & HEPLER, LLC | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $27K | — | $27K | 1.46% |
| COUCH & HEPLER LLC3 Filed as: COUCH & HEPLER, LLC | 7400 WEST 130TH STREET SUITE 310 SHAWNEE, KS 66203 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $18K | — | $18K | 0.96% |
| HEPLER & ASSOCIATES3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| ELIZABETH SCHENK3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| HEPLER & ASSOCIATES3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $2K | $16K | 22.40% |
| ELIZABETH SCHENK3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 8.00% |
| HEPLER & ASSOCIATES3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $2K | $17K | 26.02% |
| ELIZABETH SCHENK3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $7K | $7K | 11.00% |
| HEPLER & ASSOCIATES3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $8K | 15.06% |
| ELIZABETH SCHENK3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| HEPLER & ASSOCIATES3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $281 | $2K | 23.07% |
| ELIZABETH SCHENK3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $367 | $367 | 4.00% |
| HEPLER & ASSOCIATES3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $282 | $2K | 17.89% |
| ELIZABETH SCHENK3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $353 | $353 | 3.93% |
| HEPLER & ASSOCIATES3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $934 | $176 | $1K | 17.82% |
| ELIZABETH SCHENK3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $249 | $249 | 4.00% |
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 | 266 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 185 | $1.8M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 165 | $128K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 185 | $1.8M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $9K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 252 | $56K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 89 | $66K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.