| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY, LLC | 4435 MAIN ST, 4TH FLOOR KANSAS CITY, MO 64111 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $38K | $10K | $48K | 3.75% |
| TIMOTHY A MOYER3 | 5251 W 116TH PL STE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $12K | $3K | $15K | 16.45% |
| RPS BENEFITS INC3 Filed as: RPS FNCL GRP INC | 5251 W 116TH PL STE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $3K | $327 | $3K | 3.27% |
| TIMOTHY A MOYER3 | 5251 W 116TH PL STE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $3K | $1K | $5K | 6.95% |
| RPS BENEFITS INC3 Filed as: RPS FNCL GRP INC | 5251 W 116TH PL STE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $684 | $82 | $766 | 1.10% |
| SRA INSURANCE AGENCY LLC3 | 5201 JOHNSON DR SUITE 500 MISSION, KS 66205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.00% |
| WOODY FINANCIAL GROUP INC3 Filed as: WOODY FINANCIAL GROUP | 7311 W 130TH ST #130 OVERLAND PARK, KS 66213 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $145 | — | $145 | 0.27% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET 4TH FLOOR KANSAS CITY, MO 64111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $681 | — | $681 | 7.51% |
| ASSUREDPARTNERS3 Filed as: ASSURED SRA | 5201 JOHNSON DR SUITE 500 MISSION, KS 66205 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $237 | — | $237 | 2.61% |
| THE MILLER GROUP3 | 6363 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $159 | — | $159 | 1.75% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 235 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 71 | $55K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 146 | $9K |
| Life insurance | NORTHWESTERN MUTUAL | 114 | $70K |
| Long-term disability | NORTHWESTERN MUTUAL | 114 | $93K |
| Other | NORTHWESTERN MUTUAL | 114 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
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.