| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | UNION SECURITY INSURANCE COMPANY | $31K | — | $31K | 10.82% |
| POWER GROUP COMPANY LLC3 | 4550 WEST 109TH STREET SUITE 300 OVERLAND PARK, KS 66211 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 2.57% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 4551 WEST 107TH SUITE 300 OVERLAND PARK, KS 66207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 16.88% |
| POWER GROUP COMPANY LLC3 | 4550 WEST 109TH STREET SUITE 300 OVERLAND PARK, KS 66211 | VISION SERVICE PLAN | $1K | — | $1K | 8.68% |
| THOMAS OWENS4 | P.O. BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 22.16% |
| CLINTON B WHITNEY4 Filed as: CLINTON B. WHITNEY | 1108 SOUTHWEST FLEMING COURT APARTMENT 101 TOPEKA, KS 66604 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $307 | — | $307 | 4.75% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: SILVERSTONE GROUP | 115116 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $153 | — | $153 | 2.37% |
| POWER GROUP COMPANY LLC4 | 4550 WEST 109TH STREET OVERLAND PARK, KS 66211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $64 | — | $64 | 0.99% |
| AD-VENTURES INC.4 | 125 WEST 11TH STREET NEWTON, KS 67114 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $59 | — | $59 | 0.91% |
| KATHLEEN A HUFF4 Filed as: KATHLEEN A. HUFF | 243 RED FOX ROAD LOLO, MT 59847 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $48 | — | $48 | 0.74% |
| JANELLE SHOWALTER4 | 1718 EAGLECREST SALINA, KS 67401 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $17 | — | $17 | 0.26% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 60 | $12K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 342 | $285K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 342 | $285K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 342 | $285K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 342 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.