| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSS, LLC3 Filed as: TRUSS LLC | 4551 W 107TH ST., THIRD FLOOR OVERLAND PARK, KS 66207 | AETNA LIFE INSURANCE COMPANY | $56K | — | $56K | 17.65% |
| POWER GROUP COMPANY LLC3 Filed as: POWER GROUP CO LLC | 4550 W 109TH ST., STE 300 OVERLAND PARK, KS 662111309 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 5.25% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 4551 W 107TH ST., FLOOR 3 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $3K | $5K | 3.02% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 4551 W 107TH ST., THIRD FLOOR OVERLAND PARK, KS 66207 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.52% |
| POWER GROUP COMPANY LLC3 | 4550 W. 109TH ST., STE 103 OVERLAND PARK, KS 662111309 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMINISTRATOR | Other services; Insurance brokerage commissions and fees; Contract Administrator Service code 13 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $201K |
| TRUSS LLC BROKER | Insurance agents and brokers Service code 22 | 4551 W 107TH ST., 3RD FL OVERLAND PARK, KS 66207 | $0 |
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 | 448 | 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) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 448 | $170K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 448 | $170K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 371 | $46K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 385 | $320K |
| Other | AETNA LIFE INSURANCE COMPANY | 371 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.