| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH INSURANCE COOPERATIVE AGENCY3 | 7070 W 107TH ST. 200 OVERLAND PARK, KS 66212 | EAST COAST UNDERWRITERS | $34K | — | $34K | 19.27% |
| BENEFIT MANAGEMENT, INC.5 Filed as: BENEFIT MANAGEMENT, LLC | 2015 16TH ST. GREAT BEND, KS 67530 | EAST COAST UNDERWRITERS | -$6 | $34K | $34K | 19.14% |
| RC & ASSOC OF SPRINGFIELD LLC3 | 1736 E SUNSHINE ST STE 207 SPRINGFIELD, MO 65804 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 13.19% |
| RC & ASSOCIATES OF SPRINGFIELD, LLC3 | 1736 E SUNSHINE ST STE 207 SPRINGFIELD, MO 65804 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| RC & ASSOCIATES OF SPRINGFIELD, LLC3 | 1736 E SUNSHINE ST STE 207 SPRINGFIELD, MO 65804 | METROPOLITAN LIFE INSURANCE COMPANY | $784 | — | $784 | 7.42% |
| RC & ASSOCIATES OF SPRINGFIELD, LLC3 | 1736 E. SUNSHINE ST STE 207 SPRINGFIELD, MO 65804 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 27.40% |
| RC & ASSOCIATES OF SPRINGFIELD, LLC3 | 1736 E. SUNSHINE ST STE 207 20 SPRINGFIELD, MO 65804 | METROPOLITAN LIFE INSURANCE COMPANY | -$220 | — | -$220 | — |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 146 | $44K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $155K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $155K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $155K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $155K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $155K |
| Stop-loss / reinsurancereinsurance | EAST COAST UNDERWRITERS | 107 | $177K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.