| 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 | $23K | $7K | $30K | 14.72% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 3.83% |
| NICOLA R BLOSS3 Filed as: NICOLA R. BLOSS | 600 SW WHITETAIL DRIVE OAK GROVE, MO 64075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 9.44% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 7.98% |
| MINDY M SKIDMORE3 Filed as: MINDY M. SKIDMORE | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.74% |
| NICOLE BETH JENKINS3 | 8604 NE 91ST STREET KANSAS CITY, MO 64157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $944 | — | $944 | 1.05% |
| TIFFANY S HERMSEN3 Filed as: TIFFANY S. HERMSEN | 2404 NE 79TH PLACE KANSAS CITY, MO 64118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $891 | — | $891 | 0.99% |
| OLIVIA GABRIELLE BOYD3 | 200 WALNUT STREET, SUITE 212 KANSAS CITY, MO 64106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $336 | — | $336 | 0.37% |
| MINDY SKIDMORE LLC3 | 3100 BROADWAY, SUITE 223 KANSAS CITY, MO 64111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $166 | — | $166 | 0.18% |
| VANESSA M HOFFMAN3 Filed as: VANESSA M. HOFFMAN | 8315 NW TWIN OAKS DRIVE KANSAS CITY, MO 64015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RAMOND BROWN | 809 NW 37TH STREET BLUE SPRINGS, MO 64015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | VISION SERVICE PLAN | $1K | — | $1K | 4.75% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $121 | — | $121 | 0.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $242K |
| ROBERT E. MILLER INSURANCE AGENCY EIN 43-0902269 BROKER | Other commissions Service code 55 | — | $60K |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $113K |
| Vision | VISION SERVICE PLAN | 174 | $26K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 275 | $204K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 275 | $204K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 275 | $204K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 241 | $772K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 275 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.