| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $115K | $11K | $126K | 5.49% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 7.46% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE HERITAGE INSURANCE AGENCY | 7926 EAST 171ST STREET BELTON, MO 64012 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.54% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 11.26% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE HERITAGE INSURANCE AGENCY | 7926 EAST 171ST STREET BELTON, MO 64012 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.74% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.23% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE HERITAGE INSURANCE AGENCY | 7926 E 171ST STREET, SUITE 100 BELTON, MO 64012 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.77% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.45% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE HERITAGE INSURANCE AGENCY | 7926 EAST 171ST STREET BELTON, MO 64012 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.55% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.48% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE HERITAGE INSURANCE AGENCY | 7926 EAST 171ST STREET BELTON, MO 64012 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $810 | — | $810 | 2.52% |
| ACRISURE LLC3 Filed as: ACRISURE MIDWEST PARTNERS INSURANCE | 7926 EAST 171ST STREET, SUITE 100 BELTON, MO 64012 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $4K | — | $4K | 24.95% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 11.15% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $576 | $576 | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE HERITAGE INSURANCE AGENCY | 7926 EAST 171ST STREET BELTON, MO 64012 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $444 | — | $444 | 3.86% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 346 | $2.3M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $119K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $32K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $76K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $43K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.