| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE SERVICES | 7415 W 130TH ST STE 200 OVERLAND PARK, KS 66213 | COMPANION LIFE INSURANCE COMPANY | $51K | — | $51K | 10.64% |
| WALL STREET FINANCIAL GRP3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | GUARDIAN | $5K | $5K | $10K | 11.38% |
| VHA MID AMERICA INS SVCS3 | 7415 W 130TH STREET, STE 200 OVERLAND PARK, KS 66213 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $667 | $4K | 12.00% |
| VHA MID AMERICA INS SVCS3 | 7415 W 130TH STREET, STE 200 OVERALAND PARK, KS 66213 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $647 | $4K | 12.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $107K |
| WALLSTREET FINANCIAL GROUP, INC EIN 43-1441281 BROKER | Other commissions Service code 55 | 211 MARSHALL STREET JEFFERSON CITY, MO 65101 | $9K |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 115 | $87K |
| Vision | GUARDIAN | 115 | $87K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $32K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 130 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.