| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSS, LLC3 | 4551 W. 107TH STREET, 3RD FLOOR OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $42K | — | $42K | 8.68% |
| TRUSS, LLC3 | P.O. BOX 11290 OVERLAND PARK, KS 662071290 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 1.85% |
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 | 830 | 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) | 831 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 812 | $371K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 830 | $480K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 830 | $480K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 830 | $480K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 830 | $480K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 1,183 | $876K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 830 | $480K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,183 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.