| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INS AGENCY INC | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $2K | $15K | 25.49% |
| EMPLOYEE BENEFITS DESIGN, INC.3 Filed as: EMPLOYEE BENEFITS DESIGN | 1125 EAST LAKEWOOD SPRINGFIELD, MO 65810 | SUN LIFE ASSURANCE COMPANY OF CANADA | $563 | $0 | $563 | 0.98% |
| KENNETH SIGMAN3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.85% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INS AGENCY INC | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $816 | $2K | 4.63% |
| EMPLOYEE BENEFITS DESIGN, INC.3 Filed as: EMPLOYEE BENEFITS DESIGN | 1123 EAST LAKEWOOD SPRINGFIELD, MO 65810 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.02% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $700 | $700 | 1.52% |
| EMPLOYEE BENEFITS DESIGN, INC.3 Filed as: EMPLOYEE BENEFITS DESIGN | 1125 EAST LAKEWOOD SPRINGFIELD, MO 65810 | VCP SERVICES, INC | $2K | $0 | $2K | 10.00% |
| EMPLOYEE BENEFITS DESIGN, INC.3 Filed as: EMPLOYEE BENEFITS DESIGN | 1125 EAST LAKEWOOD SPRINGFIELD, MO 65810 | HEALTHIEST YOU | $609 | $0 | $609 | 3.52% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | VCP SERVICES, INC | 199 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $46K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $103K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $46K |
| Prescription drug | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 0 | $0 |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.