| 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. | $270K | — | $270K | 13.07% |
| BENEFIT COMMUNICATION INSOURCING3 | 9300 W 110TH ST OVERLAND PARK, KS 662101437 | RELIASTAR LIFE INSURANCE COMPANY | $196K | — | $196K | 16.65% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 631417088 | RELIASTAR LIFE INSURANCE COMPANY | $147K | — | $147K | 12.49% |
| BIGGIN CONSULTING SERVICES LLC3 | 2800 JORDAN GRV WEST DES MOINES, IA 502656463 | RELIASTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 0.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 EBC HRA | Contract Administrator; Claims processing Service code 12 | — | $113K |
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 | 4,902 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 7,481 | $366K |
| Life insurance | AETNA LIFE INSURANCE CO. | 5,042 | $2.1M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 11,843 | $1.2M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 5,042 | $2.1M |
| Other | AETNA LIFE INSURANCE CO. | 5,042 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,843 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.