| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET FLOOR 4 KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.70% |
| JOHN SIGHT3 | 6537 WEST 106TH STREET OVERLAND PARK, KS 66212 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.70% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY LLC D/B/A INSU | PO BOX 191 SEDALIA, MO 65302 | METROPOLITAN LIFE INSURANCE COMPANY | $785 | — | $785 | 1.18% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LL | 5201 JOHNSON DRIVE SUITE 500 MISSION, KS 66205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.43% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 COCKEYSVILLE, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOU | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $281 | $281 | 0.50% |
| WOODY FINANCIAL GROUP INC3 | 7311 WEST 130TH STREET #130 OVERLAND PARK, KS 66213 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $121 | — | $121 | 0.21% |
No Schedule C service providers reported on this filing.
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $67K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $67K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $67K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 71 | $57K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 71 | $57K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.