| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFB GROUP SERVICES LLC3 Filed as: TFB GROUP SERVICES | 4801 W 110TH STREET SUITE 200 OVERLAND PARK, KS 66211 | DELTA DENTAL OF IOWA | $13K | $3K | $17K | 11.98% |
| TFB GROUP SERVICES LLC3 | CORPORATE OFFICE 4801 W 110TH ST STE 200 OVERLAND PARK, KS 66211 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $6K | $15K | 16.50% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS | 199 SCOTT ST BUFFALO, NY 14204 | PRINCIPAL LIFE INSURANCE COMPANY | $119 | — | $119 | 0.13% |
| TFB GROUP SERVICES LLC3 Filed as: TFB GROUP SERVICES | PO BOX 7190 SHAWNEE MISSION, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.19% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| TFB GROUP SERVICES LLC3 Filed as: TFB GROUP SERVIE | CORPORATE OFFICE 4801 W 110TH ST STE 200 OVERLAND PARK, KS 66211 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.52% |
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 | 487 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 164 | $1.7M |
| Dental | DELTA DENTAL OF IOWA | 155 | $139K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $28K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 487 | $107K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 248 | $89K |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 487 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.