| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRON INSURANCE PARTNERS LLC3 Filed as: IRON INSURANCE PARTNERS, LLC | PO BOX 1213 SALINA, KS 67402 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 14.36% |
| IRON INSURANCE PARTNERS LLC3 Filed as: IRON INSURANCE PARTNERS, LLC | PO BOX 1213 SALINA, KS 67402 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 9.81% |
| KELLER LEOPOLD INSURANCE LLC3 | 302 N FLEMING GARDEN CITY, KS 67846 | RELIANCE STANDARD LIFE INSURANCE CO | $1K | — | $1K | 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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 195 | $48K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE CO | 205 | $9K |
| Long-term disability | STANDARD INSURANCE COMPANY | 189 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.