| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | DELTA DENTAL OF MISSOURI | $6K | $816 | $7K | 5.68% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.66% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $341 | $6K | 12.32% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $691 | — | $691 | 1.50% |
| WOODY FINANCIAL GROUP INC3 | 14670 SOUTH HARRISON STREET OLATHE, KS 66061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 0.09% |
| MICHAEL ZIMMERMAN3 Filed as: MICHAEL V RONAN | 9401 INDIAN CREEK PARKWAY, SUITE 670 OVERLAND PARK, KS 66210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.02% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.76% |
| BRIDGET ZUNIGA3 | 14608 W. 62ND STREET SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $523 | $58 | $581 | 1.58% |
| RYAN BOWLING3 | 8575 W. 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $564 | $1 | $565 | 1.53% |
| RON BOWLING3 | 8575 W. 110TH STREET, SUITE 210 OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | $1 | $355 | 0.96% |
| LAURA MCCLUNG PLYLER3 Filed as: LAURA E. BOWLING | 8575 W. 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 0.75% |
| MARILYN B BOWLING3 Filed as: MARILYN B. BOWLING | 19204 WEST 102ND STREET LENEXA, KS 66220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $233 | $41 | $274 | 0.74% |
| CASSANDRA LONG3 | 20710 W. 49TH STREET SHAWNEE, KS 66218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.36% |
| MAUREEN E CONRAN3 Filed as: MAUREEN E. CONRAN | 10209 LAMAR AVENUE OVERLAND PARK, KS 66207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 0.34% |
| PAMELA SWANSON ALLEN3 | 7736 WESTGATE DRIVE LENEXA, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.27% |
| LONNIE SCHULTZ3 | 12631 NEWTON STREET, APT 21201 OVERLAND PARK, KS 66213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.10% |
| TAMARA ANN BUSCHER3 | 1318 S. WINTERBROOK DRIVE OLATHE, KS 66062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.10% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.73% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | VISION SERVICE PLAN | $1K | — | $1K | 5.16% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $140K |
| SOUTHERN SCRIPTS CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 411 BIENVILLE STREET NATCHITOCHES, LA 71457 | $30K |
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 | 153 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 277 | $116K |
| Vision | VISION SERVICE PLAN | 153 | $24K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $129K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $36K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $79K |
| Stop-loss / reinsurancereinsurance | THE NORTH RIVER INSURANCE COMPANY | 266 | $400K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.