| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | BLUECROSS BLUESHIELD OF KANSAS CITY | $45K | $10K | $55K | 4.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | BLUECROSS BLUESHIELD OF KANSAS CITY | $21K | $1K | $22K | 2.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | — | $2K | 2.42% |
| METZLER BROTHERS INSURANCE COMPANY3 | 1201 WALNUT STREET, SUITE 1400 KANSAS CITY, MO 64141 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | — | $1K | 1.38% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $312 | — | $312 | 1.74% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | VISION SERVICE PLAN | $528 | — | $528 | 3.80% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $252 | — | $252 | 2.32% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $552 | — | $552 | 12.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $86 | — | $86 | 2.02% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 179 | $1.1M |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 150 | $94K |
| Vision | VISION SERVICE PLAN | 154 | $14K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $22K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $11K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.