| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $31K | $10K | $40K | 2.96% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY, LLC | 4435 MAIN STREET, 4TH FLOOR KANSAS CITY, MO 64111 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $10K | $3K | $13K | 0.92% |
| TIMOTHY A MOYER3 | 5251 W 116TH PL, STE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $14K | $3K | $17K | 16.08% |
| RPS BENEFITS INC3 Filed as: RPS FINANCIAL GROUP INC | 5251 W 116TH PL, STE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $3K | $364 | $3K | 3.20% |
| TIMOTHY A MOYER3 | 5251 W 116TH PL, STE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $3K | $987 | $4K | 5.76% |
| RPS BENEFITS INC3 Filed as: RPS FINANCIAL GROUP INC | 5251 W 116TH PL, STE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $674 | $81 | $755 | 1.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD, STE 400 LEAWOOD, KS 662111882 | AMERITAS LIFE INSURANCE CORP | $2K | $307 | $3K | 4.27% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET, 4TH FLOOR KANSAS CITY, MO 64111 | AMERITAS LIFE INSURANCE CORP | $984 | — | $984 | 1.65% |
| THE MILLER GROUP3 | 6363 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY, LLC | 4435 MAIN STREET, 4TH FLOOR KANSAS CITY, MO 64111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $242 | — | $242 | 2.21% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 247 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORP | 182 | $60K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 163 | $11K |
| Life insurance | NORTHWESTERN MUTUAL | 133 | $76K |
| Long-term disability | NORTHWESTERN MUTUAL | 130 | $106K |
| Other | NORTHWESTERN MUTUAL | 133 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.