| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE PLANNING BENEFITS LLC3 | 5440 WEST 110TH STREET, SUITE 100 OVERLAND PARK, KS 66211 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $33K | $15K | $48K | 2.96% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $3K | $1K | $4K | 0.26% |
| CREATIVE PLANNING BENEFITS LLC3 | 5440 WEST 110TH STREET, SUITE 100 OVERLAND PARK, KS 66211 | DELTA DENTAL OF MISSOURI | $5K | $274 | $5K | 5.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | DELTA DENTAL OF MISSOURI | $357 | — | $357 | 0.37% |
| CREATIVE PLANNING BENEFITS LLC3 | 5440 WEST 110TH STREET, SUITE 100 OVERLAND PARK, KS 66211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.64% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $110 | — | $110 | 0.16% |
| CREATIVE PLANNING BENEFITS LLC3 | 5440 WEST 110TH STREET, SUITE 100 OVERLAND PARK, KS 66211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.71% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $736 | — | $736 | 2.29% |
| CREATIVE PLANNING BENEFITS LLC3 | 5440 WEST 110TH STREET, SUITE 100 OVERLAND PARK, KS 66211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.66% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $571 | — | $571 | 2.35% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 209 | $1.6M |
| Dental | DELTA DENTAL OF MISSOURI | 245 | $96K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 339 | $56K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $69K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 209 | $1.6M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 339 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.