| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRENTISS & ASSOCIATES, INC.3 | 5240 WEST 115 TERRACE LEAWOOD, KS 66211 | HCC LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PRENTISS & ASSOCIATES, INC.3 | 5240 WEST 115 TER LEAWOOD, KS 66211 | MERITAIN HEALTH | $28K | $119K | $147K | 123.57% |
| PRENTISS & ASSOCIATES, INC.3 | 5240 WEST 115 TERRACE LEAWOOD, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.46% |
| PRENTISS & ASSOCIATES, INC.3 | 5240 WEST 115 TER LEAWOOD, KS 66211 | DELTA DENTAL OF KS | $0 | $0 | $0 | 0.00% |
| PRENTISS & ASSOCIATES, INC.3 | 5240 WEST 115 TERRACE LEAWOOD, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $14K | $17K | 119.50% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 144 | $119K |
| Dental | DELTA DENTAL OF KS | 144 | $63K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $66K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 144 | $238K |
| Other(3 contracts, 2 carriers) | MERITAIN HEALTH | 144 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.