| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 40 E RIO SALADO PARKWAY, SUITE 900 TEMPE, AZ 85281 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $30K | $30K | 4.05% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $9K | $9K | 1.21% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | DEPT LA 24402 PASADENA, CA 91185 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.72% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | STANDARD INSURANCE COMPANY | $223 | — | $223 | 0.40% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | DEPT LA 24402 PASADENA, CA 91185 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.40% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | STANDARD INSURANCE COMPANY | $370 | — | $370 | 1.14% |
| INSUREYOURPEOPLE, LLC3 Filed as: INSUREYOURPEOPLE LLC | 40 E RIO SALADO PARKWAY, 900 TEMPE, AZ 85281 | STANDARD INSURANCE COMPANY | $181 | — | $181 | 0.56% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | DEPT LA 24402 PASADENA, CA 91185 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | STANDARD INSURANCE COMPANY | $649 | — | $649 | 2.34% |
| INSUREYOURPEOPLE, LLC3 Filed as: INSUREYOURPEOPLE LLC | 40 E RIO SALADO PARKWAY, 900 TEMPE, AZ 85281 | STANDARD INSURANCE COMPANY | $267 | — | $267 | 0.96% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | DEPT LA 24402 PASADENA, CA 91185 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.87% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | STANDARD INSURANCE COMPANY | $265 | — | $265 | 1.62% |
| INSUREYOURPEOPLE, LLC3 Filed as: INSUREYOURPEOPLE LLC | 40 E RIO SALADO PARKWAY, 900 TEMPE, AZ 85281 | STANDARD INSURANCE COMPANY | $92 | — | $92 | 0.56% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | DEPT LA 24402 PASADENA, CA 91185 | STANDARD INSURANCE COMPANY | $407 | — | $407 | 4.20% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | STANDARD INSURANCE COMPANY | $37 | — | $37 | 0.38% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 125 | $731K |
| Dental | STANDARD INSURANCE COMPANY | 115 | $56K |
| Vision | STANDARD INSURANCE COMPANY | 83 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 0 | $16K |
| Short-term disability | STANDARD INSURANCE COMPANY | 0 | $32K |
| Long-term disability | STANDARD INSURANCE COMPANY | 0 | $28K |
| Other | NEW DIRECTIONS BEHAVIORAL HEALTH | 100 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.