| 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 | $73K | — | $73K | 17.65% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PKWY STE 500 KANSAS CITY, MO 641143348 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | -$24 | $8K | 3.67% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY, STE 500 KANSAS CITY, MO 64114 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.43% |
| 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 | $277K |
| TASC EIN 39-1561025 ADMINISTRATOR | Contract Administrator Service code 13 | 2302 INTERNATIONAL LANE MADISON, WI 53704 | $227 |
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 | 590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 590 | $208K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 590 | $208K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 486 | $68K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 328 | $411K |
| Other | AETNA LIFE INSURANCE COMPANY | 486 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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.