| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 11.15% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $3K | $7K | 6.96% |
| GROUP BENEFITS LTD3 Filed as: THE GROUP SERVICES LLC | 12900 METCALF AVENUE, SUITE 200 OVERLAND PARK, KS 66213 | UNITEDHEALTHCARE INSURANCE COMPANY | -$69 | — | -$69 | -0.07% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | VISION SERVICE PLAN | $1K | — | $1K | 5.34% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $109 | — | $109 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $192K |
| ROBERT E. MILLER INSURANCE AGENCY EIN 43-0902269 BROKER | Other commissions Service code 55 | — | $73K |
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 | 400 | 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) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $97K |
| Vision | VISION SERVICE PLAN | 153 | $22K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $97K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $97K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $97K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 224 | $637K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.