| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W. 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | HUMANA DENTAL INSURANCE COMPANY | $31K | — | $31K | 30.91% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W. 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $5K | $12K | 18.44% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W. 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $3K | $7K | 17.14% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W. 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 29.48% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA DENTAL INSURANCE COMPANY | 184 | $99K |
| Vision | HUMANA INSURANCE COMPANY | 126 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 259 | $40K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.