| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LESLIE, ALEXANDER D.3 | 116 W MAIN ST HILL CITY, KS 67642 | NATIONWIDE LIFE INSURANCE CO | $8K | — | $8K | 11.42% |
| LESLIE, ALEXANDER D.3 | 116 W. MAIN STREET HILL CITY, KS 67642 | NATIONWIDE LIFE INSURANCE COMPANY | $5K | — | $5K | 9.22% |
| KELLER LEOPOLD INSURANCE LLC3 | 302 N FLEMING STE1 GARDEN CITY, KS 67846 | RELIANCE STANDARD LIFE INSURANCE CO. | $1K | — | $1K | 9.31% |
| KELLER LEOPOLD INSURANCE LLC3 | 302 N FLEMING STE 1 GARDEN CITY, KS 67846 | RELIANCE STANDARD LIFE INSURANCE CO | $2K | — | $2K | 15.00% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO. | 288 | $16K |
| Long-term disability(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 288 | $70K |
| Other | NATIONWIDE LIFE INSURANCE CO | 283 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.