| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RPS BENEFITS INC Filed as: RPS BENEFITS BY DESIGN, INC. | 5251 W 116TH PLACE, SUITE 300 LEAWOOD, KS 66211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 13.36% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: N. SCHERZINGER / ALLIANT | 5350 WEST 94TH TERRACE SUITE 102 PRAIRIE VILLAGE, KS 66207 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NEAL SCHERZINGER/ ALLIANT FINANCIAL EIN 43-1876092 NONE | Insurance agents and brokers; Other services Service code 22 | 5350 WEST 94TH TERRACE SUITE 102 PRAIRIE VILLAGE, KS 66207 | $28K |
| ASSURED BENEFIT ADMINISTRATORS EIN 74-2403409 NONE | Other services; Claims processing; Plan Administrator Service code 12 | 12221 MERIT DRIVE SUITE 1800 DALLAS, TX 75251 | $24K |
| SWISS RE CORPORATE SOLUTIONS EIN 02-0311919 NONE | Claims processing; Other services Service code 12 | 1200 MAIN STREET SUITE 800 KANSAS CITY, MO 64105 | $19K |
| CIGNA CORPORATION EIN 59-1031071 NONE | Consulting (general); Other services Service code 16 | 7400 WEST 110TH STREET OVERLAND PARK, KS 66210 | $18K |
| MEDWATCH, LLC EIN 16-1662117 NONE | Claims processing; Other services Service code 12 | 400 COLONIAL CENTER PARKWAY SUITE 320 LAKE MARY, FL 32746 | $6K |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 86 | $298K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $52K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $52K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $52K |
| Prescription drug | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 86 | $298K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.