| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSS, LLC3 | 4551 W 107TH STREET, THIRD FLOOR OVERLAND PARK, KS 66207 | AETNA HEALTH, INC. | — | $44K | $44K | 2.82% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 4551 W. 107TH STREET, SUITE 100 OVERLAND PARK, KS 662074037 | HUMANA INSURANCE COMPANY | $2K | $987 | $3K | 1.87% |
| POWER GROUP COMPANY LLC3 Filed as: POWER GROUP COMPANY, LLC | 4550 WEST 109TH ST., SUITE 300 OVERLAND PARK, KS 662111309 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 1.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $311 | $5K | 8.47% |
| TRUSS, LLC3 | 4550 W 109TH ST., SUITE 300 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $155 | $4K | 6.84% |
| POWER GROUP COMPANY LLC3 Filed as: POWER GROUP COMPANY, LLC | 4550 W. 109TH STREET, SUITE 300 OVERLAND PARK, KS 662111309 | VISION SERVICE PLAN | $1K | — | $1K | 100.00% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 304 | $1.6M |
| Dental | HUMANA INSURANCE COMPANY | 208 | $145K |
| Vision | VISION SERVICE PLAN | 150 | $1K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 239 | $54K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 239 | $54K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 239 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.