| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | 7415 W 130TH STREET SUITE 200 OVERLAND PARK, KS 66213 | AETNA LIFE INSURANCE CO. | $91K | — | $91K | 4.45% |
| BENEFIT COMMUNICATION INSOURCING3 | 9300 W 110TH ST OVERLAND PARK, KS 662101437 | RELIASTAR LIFE INSURANCE COMPANY | $161K | — | $161K | 18.35% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 631417088 | RELIASTAR LIFE INSURANCE COMPANY | $145K | — | $145K | 16.49% |
| BIGGIN CONSULTING SERVICES LLC3 | 2800 JORDAN GRV WEST DES MOINES, IA 502656463 | RELIASTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 0.77% |
| BENEFIT COMMUNICATION INSOURCING3 | 9300 W 110TH ST OVERLAND PARK, KS 662101437 | RELIASTAR LIFE INSURANCE COMPANY | $123K | — | $123K | 16.03% |
| LOCKTON COMPANIES, LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 631417088 | RELIASTAR LIFE INSURANCE COMPANY | $123K | — | $123K | 16.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 EBC HRA | Contract Administrator Service code 13 | — | $114K |
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 | 5,010 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 7,524 | $394K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5,083 | $2.8M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 9,505 | $878K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 5,083 | $2.0M |
| Other | AETNA LIFE INSURANCE CO. | 5,083 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,505 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.