| 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 | BLUE CROSS BLUE SHIELD OF IL | $68K | — | $68K | 3.99% |
| HEPLER & ASSOCIATES3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 9.10% |
| HEPLER & ASSOCIATES3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $4K | $16K | 27.56% |
| HEPLER & ASSOCIATES3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $4K | $18K | 30.58% |
| HEPLER & ASSOCIATES3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $4K | $10K | 19.43% |
| HEPLER & ASSOCIATES3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $589 | $2K | 21.81% |
| ELIZABETH SCHENK3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $31 | $31 | 0.36% |
| HEPLER & ASSOCIATES3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $610 | $2K | 27.57% |
| HEPLER & ASSOCIATES3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $873 | $426 | $1K | 22.31% |
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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF IL | 324 | $1.7M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 343 | $138K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 343 | $138K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $8K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 215 | $51K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 72 | $58K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.