| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH AND BENEFIT SYSTEMS INC | 6363 COLLEGE BLVD STE 500 OVERLAND PARK, KS 66211 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.15% |
| SIGMAN KENNETH3 | 6363 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.82% |
| SIGMAN KENNETH3 | 6363 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.89% |
| SIGMAN KENNETH3 | 6363 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $430 | — | $430 | 0.51% |
| RODDEN MARK HENRY3 | 10975 BENSON DR STE 350 OVERLAND PARK, KS 66210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $147 | $71 | $218 | 0.26% |
| BRIAN ROBERTS3 Filed as: BRIAN M ROBERTS | 16150 MAIN CIRCLE DR STE 400 CHESTERFIELD, MO 63017 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $113 | $113 | 0.13% |
| BRIAN ROBERTS3 Filed as: BRIAN M ROBERTS | 16150 MAIN CIRCLE DR STE 400 CHESTERFIELD, MO 63017 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $7 | $7 | 0.01% |
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 | 2,146 | 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) | 2,146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,760 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,760 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.