| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEAL B. SCHERZINGER | 12713 MAPLE STREET OVERLAND PARK, KS 66209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 19.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 90 DEGREE BENEFITS, INC. EIN 39-1277023 NONE | Plan Administrator; Claims processing; Other services Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | $45K |
| NEAL SCHERZINGER / ALLIANT FINL SVC EIN 43-1876092 NONE | Insurance agents and brokers; Other services Service code 22 | 5350 WEST 94TH TERRACE SUITE 102 PRAIRIE VILLAGE, KS 66207 | $26K |
| CIGNA CORPORATION EIN 59-1031071 NONE | Other services; Consulting (general) Service code 16 | 7400 WEST 110TH STREET OVERLAND PARK, KS 66210 | $19K |
| SWISS RE CORPORATE SOLUTIONS EIN 02-0311919 NONE | Other services; Claims processing Service code 12 | 1200 MAIN STREET KANSAS CITY, MO 64105 | $19K |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 87 | $315K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $50K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $50K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $50K |
| Prescription drug | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 87 | $315K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.