| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATION INSOURCING3 | 9300 W 110TH ST OVERLAND PARK, KS 662101437 | RELIASTAR LIFE INSURANCE COMPANY | $219K | — | $219K | 14.61% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 631417088 | RELIASTAR LIFE INSURANCE COMPANY | $153K | — | $153K | 10.21% |
| BIGGIN CONSULTING SERVICES LLC3 | 2800 JORDAN GRV WEST DES MOINES, IA 502656463 | RELIASTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 0.44% |
| 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. | $84K | — | $84K | 6.05% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | 7415 W 130TH STREET SUITE 200 OVERLAND PARK, KS 66213 | HARTFORD LIFE AND ACCIDENT | $58K | — | $58K | 7.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 HEALTH CARE FSA | Claims processing; Contract Administrator Service code 12 | — | $142K |
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 | 4,197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 8,599 | $498K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5,680 | $2.2M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 7,089 | $1.5M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5,680 | $2.2M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5,680 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,599 | — |
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.
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.