| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | AETNA LIFE INSURANCE COMPANY | $3K | $33K | $36K | 4.66% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 4551 WEST 107TH STREET, THIRD FLOOR OVERLAND PARK, KS 66207 | AETNA LIFE INSURANCE COMPANY | $78 | $3K | $3K | 0.43% |
| TRUSS, LLC3 | UNKNOWN LENEXA, KS 66215 | AETNA LIFE INSURANCE COMPANY | $0 | $100 | $100 | 0.01% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 4500 WEST 109TH STREET, SUITE 300 OVERLAND PARK, KS 66211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $3K | $25K | 17.90% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 | 6400 FLYING CLOUD DRIVE, SUITE 215 EDEN PRAIRIE, MN 55344 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.75% |
| WOODY FINANCIAL GROUP INC3 Filed as: WOODY FINANCIAL GROUP INC. | 7311 WEST 130TH STREET, SUITE 130 OVERLAND PARK, KS 66213 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $744 | $0 | $744 | 0.54% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 125 | $770K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $138K |
| Vision | AETNA LIFE INSURANCE COMPANY | 125 | $770K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $138K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $138K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $138K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 125 | $770K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.