| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD LEAWOOD, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $28K | $0 | $28K | 4.73% |
| ROBERT E MILLER INSURANCE AGENCYINC3 | 903 E 104TH ST SUITE 800 KANSAS CITY, MO 64131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | $10K | $57K | 17.30% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 2.13% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 EAST 104TH STREET SUITE 800 KANSAS CITY, MO 64131 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 300 CORPORATE PARKWAY SUITE 100S 1619 N. WATERFRONT PARKWAY BUFFALO, NY 14226 | $458K |
| DELTA DENTAL OF KANSAS, INC EIN 48-0793267 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1619 N. WATERFRONT PARKWAY P.O. BOX 789769 WITCHITA, KS 67278 | $42K |
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 | 990 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 990 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 990 | $58K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 836 | $327K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 836 | $327K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 706 | $601K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 836 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 990 | — |
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.