| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER GROUP COMPANY LLC3 | 4550 W 109TH STREET, SUITE 300 OVERLAND PARK, KS 66211 | HCC LIFE/HCC LIFE | — | $25K | $25K | 15.57% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 4500 WEST 109TH STREET STE 300 OVERLAND PARK, KS 66211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.66% |
| BASTON MIKE KEITH INS A DVISIO3 | 103 W FRANKLIN CLINTON, MO 64735 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $428 | — | $428 | 0.93% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 4550 W 109TH ST STE 300 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $373 | — | $373 | 6.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT MANAGEMENT INC EIN 48-1168746 | Insurance brokerage commissions and fees Service code 53 | PO BOX 1090, 2015-16TH ST GREAT BEND, KS 67530 | $21K |
| PREFERRED HEALTH PROFESSIONALS EIN 20-1665464 | Insurance brokerage commissions and fees Service code 53 | PO BOX 1090, 2015-16TH ST GREAT BEND, KS 67530 | $12K |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE/HCC LIFE | 95 | $160K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $46K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $46K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $46K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 19 | $6K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.