| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INS AGENCY INC | 903 EAST 104TH STREET, #800 KANSAS CITY, MO 64131 | SYMETRA LIFE INSURANCE COMPANY | $0 | $54K | $54K | 1.43% |
| UNITED BENEFIT ADVISORS LLC3 | 20 N WACKER DR STE 500 CHICAGO, IL 60606 | SYMETRA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.09% |
| MCCLONE AGENCY INC3 Filed as: MCCLONE AGENCY | PO BOX 389 MENASHA, WI 54952 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $117K | $0 | $117K | 4.37% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 7157 NARCOOSSEE RD #1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $46K | $53K | 1.98% |
| ROBERT E. MILLER INSURANCE AGENCY3 | EXECUTIVE HILLS EAST 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $0 | $19K | 0.72% |
| MCCLONE AGENCY INC3 | PO BOX 389 MENASHA, WI 54952 | UNITED HEALTHCARE INSURANCE COMPANY | $30K | $0 | $30K | 9.22% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | EXECUTIVE HILLS EAST 903 EAST 104TH STREET KANSAS CITY, MO 64131 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.77% |
| MCCLONE AGENCY INC3 Filed as: MCCLONE AGENCY | PO BOX 389 MENASHA, WI 54952 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | $0 | $41K | 17.48% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 7157 NARCOOSSEE RD #1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 9.70% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 EAST 104TH STREET KANSAS CITY, MO 64131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.52% |
| MCCLONE AGENCY INC3 Filed as: MCCLONE AGENCY | PO BOX 389 MENASHA, WI 54952 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $0 | $39K | 17.44% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 7157 NARCOOSSEE RD #1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $22K | $22K | 9.70% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 EAST 104TH STREET KANSAS CITY, MO 64131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.56% |
| MCCLONE AGENCY INC3 Filed as: MCCLONE AGENCY | PO BOX 389 MENASHA, WI 54952 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $0 | $26K | 17.43% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 7157 NARCOOSSEE RD #1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 9.69% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.57% |
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 | 3,612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 5,269 | $322K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,612 | $2.7M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,612 | $2.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,612 | $2.7M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,827 | $3.8M |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,612 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,269 | — |
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.