| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | EXECUTIVE HILLS EAST 903 EAST 104TH STREET KANSAS CITY, MO 64131 | SYMETRA | $0 | $143K | $143K | 4.72% |
| ROBERT E. MILLER INSURANCE AGENCY3 | EXECUTIVE HILLS EAST 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $105K | $40K | $145K | 6.54% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $21K | $21K | 0.97% |
| 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 | $26K | $0 | $26K | 8.58% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | EXECUTIVE HILLS EAST 903 EAST 104TH STREET KANSAS CITY, MO 64131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $1K | $24K | 21.20% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | EXECUTIVE HILLS EAST 903 EAST 104TH STREET KANSAS CITY, MO 64131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $4K | $25K | 23.22% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $3K | $18K | 23.24% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
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 | 2,998 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,016 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 4,366 | $308K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,998 | $2.2M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,998 | $2.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,998 | $2.2M |
| Stop-loss / reinsurancereinsurance | SYMETRA | 2,369 | $3.0M |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,998 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,366 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.