| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEVER4 LLC3 | 5200 METCALF #300 OVERLAND PARK, KS 66202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $592K | $592K | 5.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 9200 WARD PARKWAY SUITE 500 KANSAS CITY, MO 64114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $29K | $29K | 0.29% |
| LEVER4 LLC3 | 5200 METCALF #300 OVERLAND PARK, KS 662021265 | METROPOLITAN LIFE INSURANCE COMPANY | $226K | $5K | $231K | 11.75% |
| LEVER4 LLC3 | 5200 METCALF #300 OVERLAND PARK, KS 662021265 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $432 | $19K | 19.38% |
| LEVER4 LLC3 | 5200 METCALF #300 OVERLAND PARK, KS 662021265 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $204 | $15K | 18.57% |
| LEVER4 LLC3 | 5200 METCALF #300 OVERLAND PARK, KS 662021265 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $159 | $12K | 18.43% |
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 | 1,323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,386 | $10.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,024 | $2.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,024 | $2.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,024 | $2.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,024 | $2.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,024 | $2.0M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,024 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,024 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.