| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMIN. AND INS. SVCS., INC. | 1800 SUTTER STREET, SUITE 730 CONCORD, CA 94520 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $15K | $677 | $15K | 4.05% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $6K | $16K | 10.88% |
| ROBERT E. MILLER INSURANCE AGENCY5 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 4.95% |
| SCOTT CASTEEL3 | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.33% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMIN. AND INS. SVCS., INC. | 1800 SUTTER STREET, SUITE 730 CONCORD, CA 94520 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | DELTA DENTAL OF MISSOURI | $3K | $171 | $3K | 3.28% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMIN. AND INS. SVCS., INC. | 1800 SUTTER STREET, SUITE 730 CONCORD, CA 94520 | DELTA DENTAL OF MISSOURI | $905 | $0 | $905 | 1.04% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | ADVANTICA INSURANCE COMPANY | $676 | $24 | $700 | 6.76% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMIN. AND INS. SVCS., INC. | 1800 SUTTER STREET, SUITE 730 CONCORD, CA 94520 | ADVANTICA INSURANCE COMPANY | $632 | $0 | $632 | 6.11% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 175 | $376K |
| Dental | DELTA DENTAL OF MISSOURI | 228 | $87K |
| Vision | ADVANTICA INSURANCE COMPANY | 206 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $143K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $143K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $143K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 175 | $376K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.