| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HALLIER REED LLC3 Filed as: HALLIER REED, L.L.C. | 14435 METCALF, STE. 200 OVERLAND PARK, KS 66223 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $75K | $18K | $92K | 2.98% |
| HALLIER REED LLC3 Filed as: HALLIER REED, LLC | 1229 SWIFT AVENUE NORTH KANSAS CITY, MO 64116 | DELTA DENTAL OF MISSOURI | $17K | $0 | $17K | 5.98% |
| HALLIER REED LLC3 Filed as: HALLIER-REED LLC | 1229 SWIFT AVENUE NORTH KANSAS CITY, MO 64116 | GUARDIAN | $21K | $2K | $23K | 16.19% |
| HALLIER REED LLC3 | 6640 W. 143RD ST., STE. 205 OVERLAND PARK, KS 66223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $0 | $19K | 16.95% |
| NATIONAL INSURANCE MARKETING BROKER3 | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $5K | $11K | 9.63% |
| HALLIER REED LLC3 | 6640 W. 143TH ST., STE. 205 OVERLAND PARK, KS 66223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $509 | $8K | 16.06% |
| NATIONAL INSURANCE MARKETING BROKER3 | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $5K | 10.00% |
| HALLIER REED LLC3 | 6640 W. 143RD ST., STE. 205 OVERLAND PARK, KS 66223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $791 | $9K | 20.03% |
| NATIONAL INSURANCE MARKETING BROKER3 | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $5K | 10.00% |
| JOHN A. SCOTTI3 Filed as: JOHN SCOTTI | 100 STANWIX ST. PITTSBURG, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $399 | $24 | $423 | 10.05% |
| HALLIER REED LLC3 | 6640 W. 143RD ST., STE. 205 OVERLAND PARK, KS 66223 | RELIANCE STANDARD INSURANCE | $264 | $13 | $277 | 19.20% |
| NATIONAL INSURANCE MARKETING BROKER3 | 410 ARCHIBALD STREET KANSAS CITY, MA 64111 | RELIANCE STANDARD INSURANCE | $68 | $68 | $136 | 9.42% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 662 | $3.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 646 | $280K |
| Vision | GUARDIAN | 273 | $140K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 273 | $302K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 273 | $185K |
| Other(4 contracts, 4 carriers) | GUARDIAN | 480 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.